Electronic Posting
Electronic payments route via the nationwide bill-pay consortium. NexTier Bank debits the accountholder's funding account on the business day after submission and transmits the remittance file to the receiving biller's processor. Most major billers post same-day when the file arrives before their daily batch cutoff.
The accountholder's funding account must carry sufficient cleared balance at 6:00am ET on the debit date. Insufficient balance triggers a reversal and an email alert. There is no returned-item fee on bill pay, but the payee may charge their own late fee if the payment arrives past its due date.
Paper-Cheque Fallback
When a payee is not electronic, the bank prints a cheque against a remittance account and mails it to the payee's address on file. The cheque clears only when the payee deposits it — the funding account is debited when the cheque posts, not when the cheque is mailed. Expect 5 to 7 business days to reach the payee, plus 2 to 5 business days for the payee to deposit.
For time-sensitive payments to non-electronic payees, schedule 10 business days in advance to avoid late-fee risk. For federal tax and state tax payments, prefer electronic routing via the IRS or PA Department of Revenue biller entries; see general guidance at irs.gov.