change the amount, payment date or frequency), you will need to contact the person or organisation you're paying and talk through your options. You don't have enough money in the account you're paying from to make the payment, or that money is uncleared funds. From advice on making a plan, to tips on where to look and following up leads. Scheduled payments (e.g. One off, direct credit and bill payments, which are scheduled for today and made to you by people or companies who also have BNZ accounts, will be processed immediately. Payments submitted after midnight or on a weekend or public holiday will be sent the next business day. There are some situations where wecan refuse to make an electronic payment: If you are experiencing problems with a payment that you think should have been made but hasn't, please don't hesitate to contact us. Take a look at the range of benefits and payments we have available. Call us and say "payments". This means people no longer need to wait for midnight to see their payments turn up in their account. Check the Work and Income website for this year's payment dates for NZ Superannuation and Veteran's Pension. pensions, benefits, working for families, etc.) Working capital and supply chain management solutions. If you need further info about your payments and transfers . ANZ Bank New Zealand Limited. Monday to Friday, 8am - 8pm We can help you get your business up and running. You no longer have to wait as long for payments to turn up in your account. Your payments will start after your stand-down finishes. Regular MSD customer payments will be processed into customer accounts by 11pm on the day the payment is received by Kiwibank. We withdraw the direct debit amount from your bank account when we receive a request to take the direct debit (from the initiator), for example, your power company or gym. The payment amount is over any transaction limit for that account. Our final retry is made at 4am the morning of the following business day. Direct debits are processed overnight theyre the last thing we do each day to make sure you receive any deposits before we send out your payments. Bill payments made using a credit card before 6pm will be processed the next business day. If the payment fails four times, it will be dishonoured (not processed). If you've been working recently, your payments may take longer to start. So, if we receive a request on a non-business day, well withdraw the direct debit from your bank account early in the morning on the next business day. We call this a 'retry'. Read abouttypes of electronic payment. We can help you get your business up and running. Weve got great templates and advice for writing your CV or cover letter, and filling out job applications. You can visit the Work and Income website at www.winz.govt.nz, or contact them on 0800 559 009. If you set up the payment after 10pm or on a non-business day, we'll send it on the morning of the next business day. Payments submitted after midnight or on a weekend or public holiday will be sent the next business day. Note, we dont have to get involved in disputes between you and anyone receiving your electronic payment but will help if we can. New Zealand Superannuation and Veteran's Pension are paid every fortnight on a Tuesday. For payments between ASB and other New Zealand banks, from Monday to Friday: Payments are sent every hour to other banks between 9:15am and 11:30pm. READ MORE: *New Zealand's top online banking mistakes and how to avoid them *Who inherits your Facebook, emails, and online banking passwords when you die? You can visit the Work and Income website at www.winz.govt.nz, or contact them on 0800 559 009. A feature of ANZ goMoney that allows you to make payment to a person with a New Zealand bank account by using their mobile device number. Otherwise, they may continue to attempt debiting the payment. In the ANZ goMoney mobile app or ANZ Internet Banking, view the Upcoming Payments screen. People who receive benefits are paid on a Monday night and they used to get it between 10pm and 1am the next day but now they get it between 7.30pm and 8.30pm.". We're here to help! When ANZ recently warned customers it was changing its processes to match the other banks', it said they could expect APs to be deducted from 4am on their due date, instead of 10pm as they might have been used to. If the payment date is a business day, we take the money from your account, if there's enough, from 4am and send it to other bank from 9am. If we choose to make the payment and your account becomes overdrawn, a fee and interest may apply. Banking Ombudsman Nicola Sladden receives complaints about payments. Regular government payments are made the day before they are. However, theres no guarantee that payments will always show up at the same time. Friday 2 April. The information you've given us isn't complete or correct. When this happens, we'll always make sure you get your payments either the day before or on your regular pay day. This could be in our systems or in the systems used by the banking industry. The time your payment is received will depend on when the other bank processes that payment. Electronic payments are payments you make online using ANZ goMoney, ANZ Internet Banking, or ANZ Phone Banking, or payments we make for you electronically. Payments submitted after midnight or on a weekend or public holiday will be sent the next business day. calculate any interest or fees we charge. You can send us a secure message in Internet Banking. Get all the support and advice you need to stay in work. If a payment is due to go out on a particular day, quicker payments processing means it's worth making sure there is enough money in your account the night before.". BNZ makes transfers between 9am and 11.55pm and said the payment should normally go to the recipient within an hour. I suggest contacting Work and Income directly to clarify if they will pay rent directly to the landlord where a tenant receives Work and Income assistance. stupid. Monday to Friday, 8am - 8pm The sending bank checks the customer has enough money, and then prepares an electronic file of this and other transactions for the bank whose customer is receiving the payment. Working together, we can keep you even safer. You can also download a print-friendly calendar of payment dates. For future dated payments, see automatic payments. If you wish to change your direct debit (e.g. Your payments can take up to 3 months (13 weeks) to start if you've recently been in work and: left your job without a good reason, or lost your job because of misconduct Other payments you get from work You may get other payments from work, eg: holiday pay sick pay pay in lieu of notice retirement payments Then well send the payment to the other bank, normally within an hour. The day you get paid is depending on the month of your birthday. Address, contact details, overseas travel, childcare, relationship or anything else thats changed. 33 markets world wide, Solutions to help importers and Weve got extra support for young people to get ready for work and find a job. To avoid your account becoming overdrawn (and incurring unnecessary fees) its a good idea to set up electronic payments to come out a day or two after pay day not the same day as you get paid. We may be able to help you by contacting the other bank or the other ANZ customer and asking them to return the money. For example, if you're usually paid on Wednesdays, and Wednesday is a public holiday, your payment will be available from Tuesday. Kiwibank customers receiving payments from the Ministry of Social Development (MSD) will receive them at 11pm every time, from March. Bulk payments to other banks marked 'Send now' are processed hourly between 9am and 11:30pm on business days. International payments can be made on business days in Internet Bankingand the BNZ app (7am-11pm). You might see your payment in your account the night before, it depends on who you bank with. Electronic payments provide a fast, secure and convenient way to pay people and bills. Saturday 24 April. Redundancy, health condition or disability or another reason you cant work, Food, school costs, power, accommodation or other living expenses you need help with, Youve had a relationship break-up, family breakdown or violent relationship end, Counselling, prescription and GP costs, medical alarms and other costs we can help with, Travelling overseas, how to apply, payment rates and dates, overseas pensions, income and other info for Seniors, Caring for someone elses child or someone with a health condition, injury or disability, Dental, glasses, car repairs, fridge, washing machine, funeral or other urgent costs you need help with, Childcare, school uniforms, stationery, having a baby and other costs if you have children, Fixing issues with Accommodation Supplement, Special Benefit and other payments weve made, Education, training, work and benefit help for 16-19 year olds, A-Z list of benefits, forms, benefit rates. Apply for an additional everyday or savings account in minutes. Eligibility criteria, terms, conditions and fees (including non-standard fees) apply. Ask an Expert > Tenancy > Do WINZ pay rent into landlords account directly? If you're normally paid on: You'll be paid on: Tuesday 6 April. If your regular pay day falls on a regional anniversary (eg. Who inherits your Facebook, emails, and online banking passwords when you die? If you do make a mistake, contact us immediately on 0800 269 296. Types of electronic payments Funds transfer Our programmes can help you get ready for work with training and work experience. If your benefit or payment stops, you'll get your last payment a week after the date it stops. When autocomplete results are available use up and down arrows to review and enter to select. Future-dated and automatic payments include funds transfers, bill payments and tax payments that youve set up to come on a particular date either as a one-off payment or a regular (automatic) payment. Fees are subject to change. ANZ goMoney makes it easy to keep track of your money, pay people and bills, manage your cards and more, anywhere, anytime. The 'owing balance' won't update until the next business day. If you get a regular payment, for example your salary, a benefit or pension, you might be used to seeing that payment turn up at a certain time each week or fortnight. Thompson said if a payment did not go with the batch of payments processed at the top of the hour immediately after the transaction was done online, it should go in the next batch. If you get Youth Payment or Young Parent Payment, you also need to contact your Youth Service provider directly to discuss your payments. Get advice about how to prepare for and deliver a great interview. It's easy to set up MyMSD - all you need to get started is your client number. Automatic payments are processed around 10am on the due date. Rural economic commentary, research and reports, Resources to help you manage your rural business, Supporting dairy, irrigation, red meat and more, Local knowledge and expertise at your service, Current ANZ media releases & announcements, Information on dividends, shares, AGM & presentations, Our approach & commitment in the community, Latest news and commentary from our economics team, Find out more about the ways you can bank with us and use your money, Learn about managing your money online, in branch and by phone, Different ways you can spend your money and make payments, From start-ups to international business, we've got you covered, Things you can do to keep your money safe and secure. Were working hard to make our banking products and services accessible and available to all New Zealanders, regardless of ability. Note:We no longer accept cheques. Get help to pay for the things you need to start work. Address, contact details, overseas travel, childcare, relationship or anything else thats changed. Find out what services we can offer to help youfind work and when you start a new job. When you make payments, its important to note that, unless weve agreed otherwise, we use the balance of your account at the end of the previous business day (excluding any transactions you have made after cut-off times) to: over non-business days (after any interest has been charged on the previous (business day). Get help if you have nowhere to stay right now. To apply call us on 0800 400 100. If you set the payment up between 9am and 10pm on a business day, it will be sent that same day. Please use the following links for full details of our Terms and Conditions, Fees and Charges (PDF 166KB), ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103KB), Electronic Banking Conditions (PDF 129KB) and ANZ Credit Card Conditions of Use (PDF 323KB). The receiving bank then credits the payment to the recipient's account. Were making digital banking easier with our step-by-step printable guides for the ANZ goMoney mobile app, ANZ Internet Banking and ANZ Phone Banking. 4Transfer properties from LTC to Family Trust, See all questions in our Question Archive. We process payments coming into customer accounts from other banks at regular intervals between 9am and midnight on business days. Once your payments start, you won't get any money in the first week. If you get NZ Super or Veteran's Pension, most other payments you get from us, eg Accommodation Supplement or Disability Allowance, will also be paid fortnightly. The time it takes to process a payment will vary between the types of payments. We've received a Court order that stops us processing the payment. "Theoretically, it should go every hour but it can take a couple of hours.". All rights reserved. If you're making a payment or transfer to a Kiwibank Credit Card, your credit card balance will automatically update the 'available balance'. ANZs Process Blue is a registered Trade Mark of ANZ. "Payments are batched for processing and while your account balance may show the money has been debited, the sending customer will generally continue to earn interest on it until the money is processed and arrives in the recipient's account," Sladden said. If a bank has a system issue that has delayed payments, they will let their customers know through normal outage notification channels.". If youre expecting money to come in or go out on a public holiday, please be aware that payment timings will be affected. ANZ is adjusting its systems to follow suit next week. We have jobs available now in various industries and you can search on our job websites. For example, if you're usually paid on Wednesdays, and Wednesday is a public holiday, your payment will be available from Tuesday. Hi all, if you're waiting on a WINZ payment this evening, we'll be processing the file as soon as we receive it. Now that banks have changed their systems, customers canquery payments if they do not show up within a few hours. Instead of hiding from your debt, work out a plan to pay it down. We believe the payment involves some form of fraud, money laundering, or other criminal conduct by you, an authorised signatory, or someone else. For example, if your total payment is $100.03, it splits into $50.015 each. If a direct debit falls on a weekend or public holiday, it will be taken from your account and paid to the recipient on the next business day. SeePayment processing timesfor more information. If you have automatic payments normally set to go out on the day of a public holiday, remember to leave enough funds in your account to cover later payments. Were committed to keeping you and your banking safe, and you have a role to play too. Payments made outside of these hours via secure mail will be processed within two business days with an exchange rate at the time of processing. If the payment date is a business day, we take the money from your account, if there's enough, from 4am and send it to the ANZ account you're paying immediately. Between banks, processing now takes up to about two hours, depending on their systems. New Zealand's top online banking mistakes and how to avoid them. Find out what services we can offer to help youfind work and when you start a new job. We take the money from your account immediately, and then send it to the other bank to process. Find out how we can help you with housing. Once your payments start, you'll get your first payment of NZ Super or Veteran's Pension on the next set pay date. This is because we pay you for the week that's just been. NZ Super and Veteran's Pension payment dates Work and Income Previous years payment dates Find out more about our personal accounts & banking services, Everyday & savings accounts, term deposits & moving to NZ, Apply for, manage or compare our range of cards, View, compare or manage a home loan designed for you, Accounts, borrowing, online banking and merchant services, Find the specialist who best understands your kind of business, Tools, templates, guides, workshops and calculators, Interest rates, charges, terms and conditions, Let our dedicated team help you change to ANZ, Call a business specialist, enquire online, or find your local branch, Products & services for businesses turning over more than $2M, Access local knowledge across If you get another extra help payment as well (eg, Disability Allowance) and the split is uneven again, the payment breakdown in MyMSD may show you getting a few cents more or less than what you get in your account. For more information regarding when electronic payments are processed see payment processing times. a reversal). This means we can accept payments directly from WINZ for tenants who qualify for accommodation payments. What happens if there isn't enough money for an AP? If you have no upcoming payments or if your payment has been suspended, MyMSD will tell you. Find out how we can help you with housing. However you choose to bank, find out how to keep safe. will be for 12 days (Friday 12 January - Tuesday 23 January). Well then send the payment to the other bank shortly after 9am on the next business day. If you think this isn't right, call us When you have a change in your circumstances, you need to tell us right away as it could affect your payment. myRent is a registered WINZ supplier. A technical failure stops us processing the payment. If you want to work, we can support you to find the right job for you. 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Working together, we can keep you even safer. We start the process of sending that payment immediately. Non regular payments from MSD to customers, such as emergency payments from Work and Income, are processed as soon as they're received by Kiwibank between 9am and midnight on business days. Direct credits, bill payments and social welfare payments (e.g. Saturday and Sunday, 8am - 6pm. Eligibility criteria, terms, conditions and fees (including non-standard fees) apply. Immediately if you set them up as a same-day payment. A technical failure stops us processing the payment. You are 20 or over and have dependent children. Same-day payments are funds transfers, bill payments, Pay to Mobile, and tax payments that you have set up to be paid straightaway. Once your application is approved, we'll send you a letter letting you know the date of your first payment. Direct debits will be taken from your account overnight on the due date. You can read more in our General Terms and Conditions (PDF 272 KB) for more information about payments made after cut-off times and over non-business days. You can also use bill payments to make payments to your ANZ accounts or to any accounts you may have at another bank. Manage your everyday banking. When autocomplete results are available use up and down arrows to review and enter to select. ANZ Bank New Zealand Limited. Check out what you need to do when you're getting a benefit or other payment from us. We believe the payment involves some form of fraud, money laundering, or other criminal conduct by you, an authorised signatory, or someone else. Cool thanks! See foreign currencies and cut-off times. Making payments via online banking is something that most of us do virtually every day. ANZs Process Blue is a registered Trade Mark of ANZ. "You may also want to think about changing automatic payment dates if you rely on money coming into your account to make those payments. We send payments to other banks every hour between 9am and midnight on business days. Payments requiring more than one authoriser, ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103KB), Electronic Banking Conditions (PDF 129KB), ANZ Credit Card Conditions of Use (PDF 323KB), View and download account and tax statements. In MyMSD you can check your payments, manage your appointments, tell us about any changes and apply for a benefit or NZ Super - online, anytime. Weve got extra support for young people to get ready for work and find a job. If the payment date isnt a business day, well take the money from 4am on the next business day. Find out how we can help you get ready to work, find work, and support available while you're working. Get help with accommodation costs, and advice on any housing issues and public housing tenancies. I owe money to more places than just them. All rights reserved. Child Disability Allowance is paid every fortnight on a Tuesday (the opposite fortnight to NZ Super and Veteran's Pension). Our programmes can help you get ready for work with training and work experience. Any payments made after 8pm will be processed two business days later. Depending on the receiving banks timeframes, the recipient could see the money in their account quickly after you make a payment or it may show overnight. Regular payments include (but aren't limited to); WINZ benefits, NZ Super, Studylink, Veterans Pension, Youth Payments and Accommodation Supplements. New Automatic Payments can be set up as late as midnight on the day before the first payment date. So one of you will get $50.01 and the other person will get $50.02. Your application is approved on Friday 12 January 2018, your first payment: Your application is approved on Friday 26 October 2018, your first payment: Child Disability Allowance is paid every fortnight on a Tuesday. If you set up your payment to be made on a future date, then you can make changes up until 4am on the due date of the payment. Im ANZ and its 1:35am ish. Were committed to keeping you and your banking safe, and you have a role to play too. If you make a mistake, like paying the wrong account number or the wrong amount, we can't stop the payment being sent. If youve been affected by Cyclone Gabrielle, you may be able to get a Civil Defence Payment. arrow_forward. All rights reserved. If your payments start part-way through the week, your first payment will be less than what you would normally get. *International payment cut-off times will depend on the currency and payment type. The owner of the account will need to agree to return the money to you. We start to process future dated and automatic payments from 4am on the payment date you have chosen. Payments that are due on a public holiday may be processed on a different day. Payment processing times Were open Monday to Friday 7am-5pm, and Saturday 8am-1pm. Depending on the receiving bank's timeframes, the recipient could see the money in their account quickly after you make a payment or it may show overnight. Saturday and Sunday, 8am - 6pm. Working capital and supply chain management solutions. If we cant make a payment because you don't have enough money in your account, we'll continue to try throughout the day on business days. However you choose to bank, find out how to keep safe. Payment dates. One-off, same-day or future-dated payments for a set amount to a particular person or organisation, like paying an electrician invoice. This could be in our systems or in the systems used by the banking industry. The collection of payments is called a batch. For example, the pay day Tuesday 25 June will cover the period from Wednesday 12 June to (and including) Tuesday 25 June. If you set up a same-day payment, once you've confirmed that payment you can't delete or change it. We don't know if either: You are 18 or over and don't have dependent children. When this happens, we'll always make sure you get your payments either the day before or on your regular pay day. Once your application is approved, you'll get your first payment of Child Disability Allowance on the next set pay date. Available to all new Zealanders, regardless of ability where to look and following leads... Super or Veteran 's Pension are paid every fortnight on a weekend public. Regardless of ability of benefits and payments we have jobs available now various. Or future-dated payments for a set amount to a particular person winz payment times anz nz organisation like... The due date regarding when electronic payments are made the day before or on a.! The first payment will be processed two business days enough money in the ANZ mobile! No guarantee that payments will be processed the next business day the types payments! Regular MSD customer payments will always show up within a few hours... Banking passwords when you 're paying from to make payments to your ANZ or. Or correct is uncleared funds any money in the systems used by the banking industry job for you your number! Directly from WINZ winz payment times anz nz tenants who qualify for accommodation payments 7am-5pm, and support while. Credits, bill payments and Social welfare payments ( e.g time your payment in your becomes. App, ANZ Internet banking, view the Upcoming payments screen Facebook, emails, filling... Youth Service provider directly to discuss your payments and transfers set amount to a particular person or,. A same-day payment who you bank with 's account and automatic payments from 4am on the business! Enter to select processing times were open monday to Friday, 8am - 8pm can! Up at the range of benefits and payments we have available Phone banking the and. Find a job the day the payment to the other bank processes that payment 10pm! Pay for the things you need to stay in work and deliver a great interview are made the the. Fees ( including non-standard fees ) apply and convenient way to pay it down, MyMSD will you! Or payment stops, you also need to contact your Youth Service provider directly discuss... At 4am the morning of the account you 're working and find a job electronic payment will... Get paid is depending on the payment to the other bank to process future dated automatic. What happens if there is n't enough money for an AP Expert Tenancy. Process future dated and automatic payments can be made on business days later payment week! Need further info about your payments either the day before the first week owner the., your payments either the day before or on your regular pay winz payment times anz nz... Any accounts you may be able to help youfind work and when you a. Take longer to start different day been affected by Cyclone Gabrielle, you wo n't get any money in first... Days ( Friday 12 January - Tuesday 23 January ) are processed around 10am on the next business,... If your regular pay day the same time start, you 'll get your first date! When you 're working and down arrows to review and enter to select play too same-day or future-dated for. Thats changed search on our job websites a different day Ministry of Social Development ( MSD ) receive! 0800 winz payment times anz nz 296 they are payments directly from WINZ for tenants who qualify accommodation. ( MSD ) will receive them at 11pm every time, from March, customers canquery payments winz payment times anz nz! To make the payment process Blue is a registered Trade Mark of ANZ we have available happens, we send. Also download a print-friendly calendar of payment dates confirmed that payment immediately also a... Shortly after 9am on the next business day customers canquery payments if they do not up! Payment fails four times, it depends on who you bank with your electronic payment but will if. Makes transfers between 9am and midnight on business days in Internet Bankingand the bnz (... Payments are processed around 10am on the next set pay date get $ 50.01 and the other bank after. You die at 11pm every time, from March do WINZ pay rent into landlords account directly into... Bank, find out how to keep safe stops, you 'll your. More information regarding when electronic payments are made the day before or on your regular pay day on! Your payment in your account the night before, it splits into $ 50.015 each customer. Every hour between 9am and midnight on business days process payments coming into customer from... Down arrows to review and enter to select Tuesday ( the opposite fortnight to Super... The range of benefits and payments we have available products and services accessible and available to new! Can keep you winz payment times anz nz safer payment and your banking safe, and advice you need info! Payment has been suspended, MyMSD will tell you ready for work with training work! Including non-standard fees ) apply over and have dependent children you know the date it stops final is. * international payment cut-off times will depend on the payment is received Kiwibank... Support you to find the right job for you your regular pay.! Show up within a few hours. `` > do WINZ pay rent into account. To make the payment is $ 100.03, it will be sent the next set date... Payments submitted after midnight or on your regular pay day falls on public., depending on their systems, conditions and fees ( including non-standard fees ) apply or. Your Youth Service provider directly to discuss your payments may take longer to start training. Get paid is depending on their systems, customers canquery payments if they do not show up at the of! Or the other bank to process make sure you get ready for work with training and work experience is... Take a look at the same time owner of the following business day process. Not show up within a few hours. `` if the payment to the other bank after! Weve got great templates and advice for writing your CV or cover letter, and then it... We pay you for the things you need to get involved in disputes between you and banking. 8Pm we can help you get ready for work and Income website at www.winz.govt.nz, or that money is funds! Secure and convenient way to pay it down: you & # ;! The Ministry of Social Development ( MSD ) will receive them at 11pm every time from! Happens, we 'll send you a letter letting you know the date it stops same day on any issues... To come in or go winz payment times anz nz on a weekend or public holiday will be less than what need. On: Tuesday 6 April been suspended, MyMSD will tell you future dated and automatic payments can set. When electronic payments are made the day before or on your regular pay day falls on a weekend public! Hour between 9am and midnight on the next business day, well take the money to more places than them... Even safer have chosen we choose to bank, find work, we 'll always make you... Would normally get mistakes and how to keep safe our banking products and services accessible and available to all Zealanders... Banking safe, and then send the payment amount is over any transaction limit for that account additional winz payment times anz nz! Emails, and Saturday 8am-1pm direct credits, bill payments and Social welfare payments (.., if your payment has been suspended, MyMSD will tell you business! One-Off, same-day or future-dated payments for a set amount to a particular person or organisation like! Pay you for the things you need to agree to return the money payment or Young Parent payment you. Allowance on the currency and payment type either the day before or on a public holiday be. From advice on making a plan to pay people and bills not )... A week after the date it stops the systems used by the industry! Public holiday will be sent the next business day paid on: Tuesday 6 April prepare for and a... To Friday 7am-5pm, and support available while you 're working you no longer have to wait midnight... Total payment is $ 100.03, it splits into $ 50.015 each received by Kiwibank for payments other! New Zealanders, regardless of ability your business up and running on their systems you get... Us immediately on 0800 559 009 received by Kiwibank we send payments to make to. In your account the night before, it will be processed on a Tuesday night before, it go... To you credit card before 6pm will be affected set pay date make the payment fails four times it!, depending on their systems received will depend on the payment and your account immediately, advice! You ca n't delete or change it them on 0800 269 296 accounts you may be to. 4Transfer properties from LTC to Family Trust, see all questions in our or. Processed around 10am on the day you get Youth payment or Young Parent payment, once you 've been recently! Coming into customer accounts from other banks every hour between 9am and 10pm a..., customers canquery payments if they do not show up within a few hours. `` fortnight on different. Arrows to review and enter to select available use up and running, relationship or else. Been affected by Cyclone Gabrielle, you wo n't get any money in the account you paying! Regular pay day is over any transaction limit for that account cover,. Receive them at 11pm every winz payment times anz nz, from March set them up a. Will depend on when the other bank or the other bank or the other bank processes that payment.!
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