can a Bank take automatic pay from account days early ?
594784
It has been done on 12th this month as 13 and 14 were holidays so make the payment on 15th they would have debited on 12 so that it get cleared properly on 15th. Though bank can not debited without your authority but when you signed the contract at that time you may not have read fine prints.
40233
There are strict rules and regulations on when ACH items will post to your account.  \n\nAre you talking about something you initiated like a scheduled bill pay?  If so, it will depend on when you told your financial institution payment must be made, the settlement date. \n\nMoney from your account cannot be deducted before that date even if the other bank sends the ACH deduction earlier than the settlement date.\n\nHowever, if problems are encountered, the deduction may occur after the settlement date.\n\n\nIf you want more information, try www.nacha.org the site of the National Automated Clearinghouse Association.
521208
please try to avoid payday loans as musch as possible. I took one out and had to continue taking them ,and then they ruined my account. if your're absolutely positive you can handle them here are a few :\nhttp://www.Cash2day4u.com\nhttp://www.quikpayday.com\nhttp://www.soniccash.com\nhttp://www.cashtransfercenters.com\nfisr american cash advance is walk-in place, check and see if it's in your area , they are real good as far as getting you the maximum and setting up just the finance fees so you don't have to pay it back right away. but please, please, if you can avoid it, dont take them out.only do one at a time and pay it back before you get another one, and only get it if you desperately need it. amscot also does them. most online lenders require you to fax your check, bank statement, and paystubs if you can. they do thid to eliminate fraud.
789438
yes. if they get the check even one day late then you are late. and you are not late by one day, but are considered late by 30 days. you should always mail the payment at least 5 days before the due date.
259485
Without knowing which specific creditor you're inquiring about it there is not going to be a definate answer. From experience GEMB, Juniper, some Citi, & Target generally report the first half of the month. Household bank generally reports about 10 days after the billing period. American Express reports typically one week following the reporting month. As far as you wanting to pay below 40%, why wait until the due date is approaching? Why not submit payment now? Waiting until due date will allow the creditor to report the outstanding balance at payment closing. If you go ahead and pay down then the next report they send to the reporting agencies will be less therefore allowing for less utilization for reporting. Also for what it's worth, FICO is known to prefer utilization to be below 30% not 40%.
520718
Yes, they don't have to give you any money today, but they'll have 100 available on monday (the next business day)\n\nGovernment Regulation CC, says banks can place holds on checks. The first 100 to be available the next day. Local checks (by routing number not location, banks can be next door but still non-local) Are to be available in 2 business days unless an expection is made, if it's over 5,000 then the first 5000 is available in 2 days the rest in 7. NON LOCAL checks are different they are the first 5k in 5 days the rest in 11. They are doing this for your protection as well, you would hate to spend 30k and then find out a week later the check was bad.
84587
I believe the IRS does direct deposits on Fridays, but I dont know what time.
882748
Large banks report to the bureaus almost continuously due to the number of accounts.  They slice the portfolio, usually by due date, and report one to three days at a time.  \nSo if you're trying to protect your credit history your safest option is to make the minimum payment by the due date.
401925
The first answer is closest to correct. I am not sure were this "time limit" came from. As long as you work for this company and you have given them permission to directly depostit funds they also have the right to ertrieve funds mistakenly deposited. They also can take it from your next check and this is probably the method they would actually take as it is the easist. However, if they can show they mistakenly deposited funds you did not deserve and you then quit working for them they can take you to court, place a bad rating on your credit by gaining a judgement, and/or file criminal charges for theft or embezzlement. Especially if you work in an office postition which would enable you to access the computers. They could claim they did not make a mistake that YOU did this on your own or with the assistance of somebody else in the office.\n\nIn any regards it is morally and ethically wrong to take something you know is not yours. That is stealing. I suggest you take the first answerer suggestion. Take the inititive and demonstrate a code of conduct in which you are honorable, ethical and responsible. Even if you are not by bringing this to their attention you are giving the impression you are those things. I would hope you would do the right thing just because it is the right thing and not becuase you were forced, but hey it is your life and you are the one who has to live with your behavior.\n\nGood luck in this moral delemma, and I wish you all the best. Sometimes we learn by the mistakes we make and we become better for it.
400564
Everything that you buy on credit or when to open the account you need to provide your social security number to do a credit check (not only credit card but even the utility bills or cell phone)gets reported to the credit bureau. If you have a report against you that means they reported a late (over 30 days) payment. I know that you do not like to hear this but if you have a late payment over 30 days, that gets reported and affects your credit score. If you only have one payment over 30 days it's not that bad though. Your credit score number gets lowered and the lower the number the higher the interest rate when you apply for credit in the future and if you have missed payments with a pattern of late (30 days or worst, 60 days) payments you might not be able to obtain jobs in certain fields or rent an apartment not to mention obtaining credit... Advice is be as conservative as you can from now on. It is not relevant to pay more than the minimum required amount on a credit card or other loan, so do not think that this help in any way. What is important is to send the payments religiously before the due date ( mail it at least 5 days in advance) or pay by phone or Inet and if it happens that you passed the due date, as long as it is before they issue a new statement, and is under 30 days, pay it even though with penalties. Hope this explanation helps you.
920756
I have been depositing cash as well as checks through my bank's ATM now for almost 5 years and I haven't had a single issue. They are normally credited to your account the next business day, though. For paychecks, I would look into firect deposits - where your paycheck is electronically transferred straight to your account. That makes the funds available usually at 12:01am of the business day it is scheduled for - a little sooner than most people are used to. All in all ATM deposits have been quite reliable for me.
790331
I work at a bank and let me tell you, this kind of question is SOO annoying haha...but in your case it's not because you're not calling the bank to ask! \nWhen the check is going to clear, really depends on your land lord and when he/she deposits the check!  Generally it takes up to 3 business days for a check to go through once it's presented to the bank.  That could vary depending if you use the same bank which would make it faster, if their bank it's not local it could take up to 5 business days and also what time your bank's cut off date is.  Where I work any debits can present to your account up till midnight so that gets a lot of people into trouble. \nIf you have overdraft protection then that's your saftest bet.  It's only a $200 difference.\nGood luck!
318504
Usually a couple of days if it's a local check, a bit longer if it's from someplace else.\n\nIf you had a Bank of America account on the other hand, it would take until hell freezes over, which is how long it takes them to get around to serving their customers.
324458
I work in an accounting firm and I know for a fact that they are direct deposited only on friday's.  Which i will assume means that they are also only mailed on friday's.  the state check doesn't have a set day.  they come whenever.
40209
Depends on what you mean.\n\nMany companies using clearing or payroll accounts setup specifically for this purpose. Generally, they don't have money in them until the very last minute that it is needed.  For example, if I send out 1000 payroll checks, history might tell me that 75% get cashed in two days, 10% more the 3rd day, and the remaining 15% over the next four days.  I am going to fund that payroll account the amounts that I think are needed for that day, and keep the rest invested until later.  If the account is overdrawn, the company gets charged something.  Companies that are this savvy about their cashflow, usually have agreements in place with their bank that allow them to overdraft the account and be charged daily interest until they put the funds in to covered the cleared checks.  So, if you are working for a company that might fall into this category, this could be a possibility.\n\nThe other possibility is that the company just doesn't have the money to make payroll.  If you think this is the case, contact your state's employement security office immediately and file a claim for uncompensated work.
592830
Don't do payday advance.  It's the quickest, but definately not the best.  Try a small finance company, something like National Finance here in NC.  I have about 4 repo's and a judgement and they finanaced me.  Good Luck!
866087
What Bank of America does is it instantly gives you a CREDIT when you deposit money in an ATM, but the credit is temporary and may not be for the full amount of your deposit (usually it's just a couple hundred dollars at most).  That credit will be instantly available, but may be retracted and the actual deposit is not likely to occur for a day or two.\n\nIn addition, Bank of America does reserve the right to delay a deposit but up to 11 business days.  Some of the reasons they may do this include:  (directly from their website)\n\n- You deposit checks totaling more than $5,000 in one day. \n- You re-deposit a check that has been returned unpaid. \n- We believe a check you deposit won't be paid. \n- You've overdrawn your account repeatedly in the last six months. \n- There is an emergency such as an equipment failure. \n\nSeeing a living, breathing teller, on the other hand, usually does instantly deposit the actual amount of your deposit into your account right away, though sometimes it doesn't get posted until the next business day.  You can always ask the teller when you are doing the transaction.  And as above, they reserve the right to reverse the transaction for a variety of reasons or delay it as well if they feel they have a reason to.