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I’m Moving In Within the Next 10 Days, and I Still Have a Payment I Need to Make Before Move-In Day. What Are My Payment Options?

Some payment types take too long to clear, which can delay or even jeopardize your move-in date.

Audience: approved applicants whose move-in day is approaching quickly and who still need to make required payments (rent, deposit, fees) but want to know which payment methods will post fast enough to avoid delays.

When you’re within 10 days of move-in, timing becomes extremely important. Payments must clear quickly so your lease can activate and your move-in instructions can be released on schedule. 

Here’s exactly which payment methods work best during the final week before move-in and which ones to avoid so your move-in isn’t delayed.

FAQs ❓

Can I pay with a personal check?
No. Personal checks take too long to clear and can delay your move-in.

Can I pay online?
Yes. online payments are the preferred method during the last week before move-in.

Do I need certified funds?
Yes.

Can MoveZen release keys before my payment clears?
No. All funds must clear before access instructions are provided.

Can I split payments across multiple methods?
Yes, but all must clear before your move-in date.

Best Payment Options Within 10 Days of Move-In ✔️

Below are the fastest and most reliable payment options when move-in is only days away.

The best option by far is a "payslip" provided by our software provider and accepted at WalMart, Walgreens, CVS and a few others.  Payments using this method post instantly, are documented with a receipt from a major institution, and doesn't require a trip to our office, mail that may get lost etc.  https://know.movezen360.com/what-is-a-convenient-rent-payslip-and-can-i-use-it-to-pay-rent-at-wal-mart-cvs-and-more

1. Online ACH Payments (If Still Within Clearing Window)

ACH bank transfers usually clear within 7–10 business days, so they can still work if:

  • You’re at least 10 days before move-in

  • Your bank doesn’t have extended hold times

  • Your payment history is clean (no recent returns)

ACH is affordable and secure just be mindful of timing.

2. Online Debit or Credit Card Payments 💳

These payments often clear immediately or within 24 hours.

Benefits:

  • Fastest posting

  • Available 24/7

  • Best option if your move-in is only a few days away

Downside:
Your portal may include processing fees for card payments.

3. Certified Funds (Cashier’s Check or Money Order) 🏦

Certified funds may still be required depending on:

  • Your market

  • Your recent payment history

  • Whether you’ve had a returned payment

If certified funds are required:

  • They must be delivered according to instructions in your move-in packet

  • Delivery cutoffs may apply (weekends, holidays, office hours)

Always confirm the correct payee name before purchasing a check or money order.

4. Instant Verification or Express Online Payments ⚡

Some resident portals offer:

  • Instant bank verification

  • Same-day posting

  • Low-risk payment options

These methods eliminate the usual 2–5 day ACH clearing period.

Payment Methods to Avoid Within 7 Days of Move-In ❌

Avoid these methods if your move-in date is close:

1. Personal Checks

Too slow to clear often 5–7 business days.

2. Mailed Payments (Any Type)

Mail delays can easily cause you to miss your move-in date.

3. Third-Party Payment Apps (Venmo, Cash App, Zelle, PayPal)

These are not accepted for rent or move-in funds.

4. Bank Bill-Pay Services

These send physical checks and are subject to mail delays.

Why Timing Matters So Much ⏰

In the last week before move-in, payments must:

  • Clear quickly

  • Be traceable

  • Be verifiable

  • Be guaranteed

MoveZen cannot release keys before:

  • All move-in charges are paid

  • Funds have fully cleared

  • Your lease is fully activated

This protects both you and the owner and prevents last-minute move-in cancellations.

Tips for a Smooth Final Week Before Move-In 🧘‍♀️

✔ Act quickly — don’t wait for deadlines

✔ Use online payments when possible

✔ Confirm any certified-fund requirements

✔ Double-check your portal balance

✔ Turn on utilities early

✔ Notify the team if something unexpected pops up

Clear communication and quick action ensure everything is ready for your move-in day.

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