I think part of the issue is the bank also. Every bank will process a direct deposit differently. I know that when Ken gets paid, Friday is supposed to be payday and the payroll company submits everything on Wednesday. Well, USAA is so efficient that it is always in our account on Thursday at 12:01 am. A full day before actual payday. Others at his company do not get theirs until Friday because of how their banks operate. They can't tell that there is even a pending deposit.
We are supposed to be in the last batch, so I can't even think about it yet.
