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How far in advance should I schedule my bill payments?

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Some merchants accept the date you pay a bill as the date they receive payment. But, some need more time to process your payment. So, you should schedule a bill payment for several business days before you want the payment to be effective to ensure it arrives on time.

The posting date for transactions completed after 6:00 pm ET or on weekends and holidays shows as the next business day.

† Simplii Financial personal banking services are provided by the direct banking division of CIBC. Banking services not available in Quebec.
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