The DC Mom could very well be correct-her employer could send out the ACH transaction trigger automatically on Friday after "business hours", so the money is not in her account at that time.

My financial institution posts ACH transactions, debit card transactions, deposits, withdrawals, etc on Saturday (credit union).

But, that's not your problem nor concern.

If your contract states that payment is due at a certain time or certain day, then payment is due, and the check should be good when written.

I'm a jerk when it comes to finances and business (been burned bad a few times), I'd just tell her she needs to learn to budget her expenses like the rest of us grownups.

If she knows that payment is due on Friday, she should not be counting on money that is deposited into her account on Saturday to cover that bill.

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