[quesera]

Right, some banks will not post a deposit to your account until after a holding period. I deal with a lot of ACH payments, and despite a very strict schedule in the network, the retail customer-facing side is surprisingly unpredictable.

So the "post credit early" promise is not a gimmick, but the whole idea of being paid early is a gimmick. The next pay period is still a full period away, so any benefit to being credited early is literally a one-time, and probably just one-day thing.