You run a payroll before the cutoff time using regular ACH Funding, and set the pay date to be Friday. You must always make the pay date at least 4 banking days after the payroll run date. When a bank holiday falls during the week, you will need to run payroll 1 banking day earlier.

Patriot withdraws payroll from Company's business bank account. The collection always happens three banking days before the pay date. If the payroll is run more than 4 days in advance, the collection will not occur until 3 days before the pay date.

Patriot receives payroll dollars and initiates payment to employee's bank.

The employees of Company are paid. The pay date must always occur at least 4 banking days after the payroll run date.