What would you do about your rent?

[Val J.]

I have a dilemma. I set up an account at the end of June with Cozy to allow my tenant to use that without giving me cash or money orders. This didn't work out because I didn't realize that it would take 10 days or more for funds to be deposited into my account. I've given the tenant my bank's routing # and my account #.  My lease states rent is due the 1st but is past due after the 4th with a $15 daily fee. My tenant went online to her bank yesterday and I was sent a text notifying of a pending payment. I also got an email from the tenant with a scan of the transaction and  a voicemail from her daughter notifying me of the payment(she had mom's phone). After reading the text & email and hearing the voicemail I log into my bank and there is no sign of payment. I looked to day no payment. I replayed the voicemail and it said something to the effect that the payment wouldn't post until 2-3 days later.  Would you consider the tenants payment late?