Skip to main content

About us

We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

I made a payment through my bank or credit union's online bill pay service. The payment arrived after the due date and I was charged a late fee. When should my bill pay payment have arrived?

Answer:

Payments you make with online bill-pay take time to process. Payments initiated before the due date but executed after that date may trigger a late fee from the entity you are paying. 

Most banks or credit unions will tell you the time required to process a scheduled payment when you schedule it. Your payment may also be delayed if you don’t have enough money in your account to cover it.

If there was enough money in your account to make the payment when you scheduled it, and the payment arrived later than your bank or credit union indicated it would, contact your bank or credit union.

Was this page helpful to you?

Note: Do not include sensitive information like your name, contact information, account number, or social security number in this field.

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.

Read full answer Hide full answer