How can I avoid late fees or reimbursement charges?

You must schedule your Bill Payer payment in advance of the payment due date as there will be a delay between the Payment Send Date (the date your payment starts processing) and the date the biller receives your payment. Schedule the payment in accordance with the payment rules displayed on the Make Payment screens.

• Check payments: Payment Send Date should be at least 5 business days before the date your payment is due. Paper checks may take several days to reach their destination, so you may want to send these payments earlier to avoid a late fee.
• Electronic payments: Payment Send Date should be at least 2 business days before the date your payment is due.

For scheduling purposes, count the first business day after your scheduled Payment Send Date as business day one.

Note: Citadel does not recognize “Grace Periods,” “Late After,” or “Postmarked By” dates when considering the reimbursement of late fees or finance charges.