I just heard from a vendor who I sent a Bill Pay payment to yesterday. Her notification says it will be there by the 21st.

Hello there, Jack. Electronic Fund Transfer (EFT) are cleared between 3-5 business days. I'm here to expand on this below.

Based on your description, the estimated arrival by the 21st aligns with this time frame, especially when accounting for non-business days like weekends and federal holidays.

Other factors can influence the timeline, including:

• The time of day transactions are initiated.
• The recipient’s financial institution's processing times.
• Your bank's verification and processing speed for electronic deposits.

Please refer to this article for more details: Learn about QuickBooks Bill Pay for QuickBooks Online.

If the payment takes longer than expected, I recommend reaching out to your payment service provider for an update on the status.

Additionally, you can generate vendor reports to get an overview of your account's payable transactions.

Please let us know if you have other question about EFT in QuickBooks, Jack. We're here to answer them the best we can.