When are payroll funds debited?
Payroll funds are debited from your business account on the payroll debit date, as shown on the Payroll Review screen before approval.
This is the date the total payroll cost is withdrawn (including employee pay and remittances)
It typically falls three business days before the pay date
Funds must be available by 4:30 PM EST on the debit date to ensure successful processing
💡 Tip: Always make sure your account is funded before approving payroll.
What happens if there are insufficient funds?
If the account doesn’t have enough funds at the time of debit:
The withdrawal attempt will fail with a Non-Sufficient Funds (NSF) rejection
Employee payments and CRA remittances may be cancelled
You’ll receive a notification with the next steps
Common causes of funding failures
Insufficient funds in the account at the time of debit
Incorrect or outdated bank account details
Banking issues such as closed or frozen accounts
How to resolve a funding failure
Ensure funds are now available in your payroll account
Contact support immediately to initiate recovery
In some cases, a wire transfer may be required if:
Payday is imminent
A reprocessed debit is not feasible
Once resolved, payroll may be reprocessed or reissued, depending on timing and method.
💡 Note: Delays may impact employee pay dates and remittance compliance. Prompt action is recommended.
Preventing future issues
Review the debit date on the Payroll review screen before approval
Maintain a buffer in your payroll account
If you’re switching bank accounts, inform support ahead of time