Question: What is the last date that an owner can sign up for ACH to be included in the draw on the 5th?
That depends on what day the draft file is generated. Your Model association has the following settings:
ACH Auto Draft Day – 5th
ACH Generate in Advance – 3 days
This means that the draft file will generate for review on the 2nd and will be pushed to the Fed on the 5th. Any change to ACH info between when the file is generated and pushed to the Fed will not have an impact on the file that has already been generated. To make changes to the file after it has been generated, users will have to go into the Homeowners > ACH Draft page to make those changes.
This means that owners will not be able to make changes to their ACH after the 1st and that those changes will have to be initiated by one of your users.