My funds aren't in yet — what happens if I'm funding my account later today?

If your Split Pay payment is scheduled to pull today and your bank account or debit card doesn't have enough money yet, here's how to think about the timing.

The basic situation:

Split Pay attempts payments at scheduled times (typically morning for first payments; 7am ET and 7pm ET for retries on overdue second payments). If the funds aren't there when we attempt, the payment fails.

The race you're in:

You need to add funds to your account before Split Pay's attempt time. If you're transferring money in today, it has to settle in your account before our attempt.

A few important things:

1. "Pending" funds may not count.

If your bank shows incoming funds as "pending," those usually aren't available for outgoing transactions yet. Wait for them to fully settle before counting on them.

2. Internal transfers vs. external transfers.

• Internal transfers (savings to checking at the same bank) are usually instant

• External transfers (from another bank or Zelle) can take hours to a day to land

• Paycheck direct deposits typically post at midnight or early morning — by the time you're awake, they should be there

3. The earlier in the day, the better.

If your funding is in flight and your first Split Pay attempt is at 7am ET, you're in trouble. If your attempt isn't until 7pm ET (a retry), you have more runway.

4. You can pay the balance yourself once funds are in.

Once your account is funded, you don't have to wait for the automatic retry. Open the Split Pay app and pay your balance manually — this captures the payment immediately.

What to do right now:

1. Confirm when funds will actually land. Call your bank or check the source app for the expected arrival time.

2. If you can't fund in time: get in touch with us. We can sometimes change the date if you act before the attempt happens.

3. If you've already missed the morning attempt: the system retries at 7pm ET — add funds before then or pay manually.

4. If you've missed multiple retries: see the FAQ on What happens if my second Split Pay payment keeps failing?.

One thing not to do: don't keep depositing checks or making transfers hoping things will "work out." Each failed attempt may trigger NSF fees from your bank. Talk to us if you can't fund today — we have options.