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OP if I were you I'd just set the auto to minimum on the 4 accounts that you're transferring balances from. That way you're covered regardless of how NFCU proceeds with payment. You may end up with a little credit on each account depending on when the payment arrives and when your statement cuts. In this specific situation I'd rather the lender owe me a few bucks than for me to get dinged for a late payment due NFCUs funds in transit.