Bill Payment Processing
Refer to the table below for an understanding of when and how payments made from your account will be processed:
| Time of payment |
When the payment
(debit) will show in your
account |
When the creditor
(company you are
making payment to)
records your payment |
When the payment is
processed by the
creditor |
| Before 8:00 p.m. |
Same day |
Same day |
This can vary based on
the policies and processes
of the company* |
| After 8:00 p.m. |
Next day |
Next day |
* Once received, bill companies may take 3–5 days to process the payment. TIP: If you are making payment to a non-ATB credit card and know you will need access to some credit for a planned purchase, it's a good idea to make your payment a few days ahead of the actual due date.