You finished the course and selected shipping after our certificate cutoff times for the day (your certificate is shipped the following business day instead of the day of). (help.aceable.com)
It however missed the custodian's 1 pm Eastern cutoff time by a few seconds and was coded as 2015. (money.stackexchange.com)
If you initiate a Standard Delivery external transfer after the daily cutoff time, the transfer will be debited from the source account on the second business day following the request date. (usbank.com)