Hi there, @mmfactorysvc. 

Welcome and thanks for your interest in the processing timelines of using direct deposit features. All transactions made through direct deposit should be transmitted in QuickBooks before 5 PM PT, 2 banking days before the paycheck date  to make it available to the receiving bank on the paycheck date. 

In case the check date falls on a non-banking day, it will be posted on the next banking day. To learn more about the processing timelines, check out this help articles: When do direct deposits post?.

I also got articles for your future reference, read about: 

• Direct Deposit Calendar. It includes lists of Federal Reserve Holidays and how it affects the direct deposit processing schedule. 
• Pay employees and contractors with direct deposit. It helps you learn about how to set up and pay your workers electronically.

Should you have more questions with anything else, feel free to ask here in the Community. We're always around to make sure all your concerns are answered. 

I missed the cut off date for direct deposit.  What are my options?