Everywhere except Richmond, VA. That was my answer before I even saw where you were from. I've read reports that state that area has the worst on time performance in the country.
We had a boat mortgage loan (very big boat) with a bank in Richmond. Even with mailing the payment 14 days in advance it often did not make it in time. I had to FedEx it for the last 3 years of payments to make sure they would be posted in time. The postings were always on time with FedEx. Cost me an arm and a leg though.