For payees who can accept electronic funds transfers (EFT), we recommend that you set the send date at least three business days in advance of the due date. If you authorize payment in advance, your EFT will be sent at 5:00 PM ET on the day you designated for the payment to be sent. To have an EFT issued on the same day you authorize payment, you must authorize the transaction by 5:00 PM ET. Please note that some EFT transactions may clear your bank account the same day they are issued. Be sure your account is funded in advance to avoid bounced payments.