grant570

grant570 t1_iy87t74 wrote

payroll is transmitted to paying bank a few days before payday, hence your employer has committed those funds to be transferred on payday in the automated clearing house (ACH) system. Your bank, the receiving bank, can see those pending transfers in the automated clearing house system, hence it's not a big risk for them to fund your account a day or two ahead of time especially since most transactions people make take a day or two to process anyway.

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