The moral of the story is to tell miss jones your money is not coming out on the 1st. It is coming out on the 2nd weds and threaten to leave if she still wants it on the 1st. Gotta play hardball with these deadbeats or you will swim in nsfs.
Ok, good Lord I must comment...just tell them this program does not allow for any other draft date, it has to be when they get their benefit deposit. Its not my fault Martha, Im just here to help, im gonna set it up so your bank pays this for you on the 1st, 3rd, whatever.
The trick is qualifying how and when they are paid early in the sit so they didnt even know you extracted that intel from them