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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.

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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?


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.

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