Why can't I take a Standard Advance but I can take an Instant one? Black Out Days

Black out days for ACH Transfers

This is difficult to answer because we know that everyone who wouldn't mind waiting a day or two for an advance, would be happy to pay the lower fee. With that though, you are not getting your money now when you need it most and also this type of advance has to be able to be processed before your payroll cycle ends. This normally takes 2 or 3 business days before your payroll cycle ends. For example, if you are a weekly employee and your payroll ends on a Sunday, then your "Black Out Period" for taking a standard advance would end on Tuesday night. Wednesday, Thursday , and Friday are business days. Saturday, Sunday, and Holidays are not. So, in order for us to have your Standard advance processed in time for your payroll cycle to end, we have to Stop or "Black Out" Wednesdays, Thursdays, Friday's , Saturdays, and Sundays from the ability to take a standard lower fee advance. Still, You can always take an Instant advance all the way up to Sunday Night!