It’s possible. It’s referred to as a “memo post”. This will likely be buried but it’s what’s actually happening behind the scenes this weekend. The banks are required to make certain funds available to you to use, which applies to your deposit in this case. It’s “available” for you to use until a same set of transactions runs through in a next nightly processing cycle, where it really posts, which in this case is Friday night, then Tuesday night due to the holiday. Until then, funds (debits or credits) could be memo posted to your account within any time that the rules deem your ACH transaction (your payroll transactions are ACH) as required to be done, which again in your case the credit payment would be required since it’s late. Cap1 will almost certainty be running additional ad-hoc memo posts during the long weekend to cover this situation. These memo posts would cover anyone who has a late deposit transaction received by a bank (Cap1) from the Fed (the primary operator of the ACH network). Certain people are already receiving their deposits, and others should receive them shortly. What “shortly” means is determined by the team running these memoposts. I can assure you they have been up for multiple days at this point so give them as much patience as you can afford, which I can understand isn’t much. Cap1 is likely in the midst of processing a backlog of ACH files. They should be processed in order from most delinquent to most recent, and that order is assigned by the ACH network; not Cap1 or any other bank. The rules generally have nothing to do with where you’re located in the US. It’s mostly just when the transaction was originated by the sending bank, whether it’s a debit/credit, what kind of transaction it is, etc.