What primary factors determine the specific time funds appear in an employee's account after payday arrives?

Answer

The initiating bank's transfer time and the receiving bank's internal processing schedule.

The exact time the money becomes accessible depends heavily on two banking elements: when the employer's bank starts the transfer, and how the receiving bank internally schedules the release of those funds for use.

What primary factors determine the specific time funds appear in an employee's account after payday arrives?
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