When you make a transfer, repayment is automatically taken from your upcoming paycheck.

myFlexPay's goal is to settle from the latest possible paycheck that has enough remaining funds to cover the amount of your transfer.

myFlexPay provides access to each pay period via a Payroll Lock Date Schedule.   A Payroll Lock Date is the point in your pay cycle when your employer finalizes your paycheck. It usually happens 2–3 days before your payday.

Here's what it means for you:

• Before the lock date — you can access your earned wages from the current pay period
• When the lock date hits — your previous pay period closes, and access to those wages is cut off. Your new pay period opens up shortly after
• Any wages you accessed before the lock date will be deducted from your upcoming paycheck
• Any wages accessed after the lock date will be deducted from your following paycheck

Whenever you complete a transfer, myFlexPay will clearly display and confirm the exact date of the paycheck from which the repayment will be settled.