My emts are due on fridays (or sooner) for the following two weeks as I shop on the weekends for food and supplies and I have only ever had one family late with the EMT once and I reminded on monday morning and I had it within the hour. I love EMT as I don't have to wonder if it's going to clear and I don't have to go to a bank. Actually I don't think I have been in a bank in a few years now.