For direct deposit paychecks to be funded on time, you must submit payroll before 5:00 pm, 2 business days before the check date.
Earliest / latest submission dates
We recommend that you submit your payroll in a timely manner. You can submit your payroll up to 45 days before the pay date and as late as 4:59 pm PT on the submission date. If you miss your submission deadline, you can create a paper check instead.
Federal banking holidays
Federal banking holidays are not considered business days. To pay employees on time, you must adjust the payroll submission date to allow for the 2 business days needed to process payroll and direct deposits. If a payday falls within 2 banking days of a holiday, payroll must be submitted 1 day earlier than usual.
Sample direct deposit processing deadlines
|SEND PAYROLL ON OR BEFORE||WHEN A FEDERAL HOLIDAY
|AND PAYDAY IS ON|
|Wednesday||Thursday or Friday before payday||Monday|
|Thursday||Friday or Monday before payday||Tuesday|
|Friday||Monday or Tuesday before payday||Wednesday|
|Monday||Tuesday or Wednesday before payday||Thursday|
|Tuesday||Wednesday or Thursday before payday||Friday|
If a payday falls on a federal banking holiday and you don't adjust the submission date, direct deposit paychecks will be posted on the first business day after the banking holiday.
* For holidays falling on a Saturday, Federal Reserve banks and branches will be open the preceding Friday.
** Holidays falling on a Sunday will be observed on Monday.