If your payment is received after the due date of a bill, regardless of any cause except for our failure to reasonably process your explicit payment instruction actually received by us, you will remain responsible for any late charges and interest assessed, the same as if you mailed your payment to us and we received it after the due date. This would be true even if you are unable to access the system due to problems with the Internet, or the service is temporarily unavailable.
Therefore, we recommend that you instruct the Services to initiate each payment to us at least 4 business days before the actual due date. Business days are Monday through Friday, except for federal banking holidays. If you use the Services to send us your payment instructions after 9 p.m. (PST) on a business day, then the Services will treat your instructions as if it was received on the following business day. It is the day we receive payment from you, and not the day we receive your instructions, that determines whether your payment was timely received.