Online bill payments can take a few business days (that is, calendar days excluding weekends and holidays) to arrive at their destination. However, if it's been 5 business days (usually a calendar week) and the payment isn't there, it's best to call Fido first and then your bank to find out what's going on. Sometimes things are slow, other times there are mistakes and losses.
Make sure you have the confirmation number from the bank in either case... or be sure to record it in future.
If you're concerned about the payment being late, I believe the rule is that it must be considered paid when the bank processes the transaction (takes the money from your account). This would be a logical extension of the "postal rule" as established in common law, but it might not apply anymore. I'd be grateful for sources.
