We use BoA for almost everything. Even my CC is a BoA card. I also use Citizens First for my SS deposits. That's my "spending" money to cover travel expenses to my dad's, dinners, groceries, gas, anything I need to buy online, and our health and dental insurance premiums. The bigger bills - utilities, taxes, home insurance, amenity fee, all that comes out of BoA.
Getting used to a delay in bill-paying with Citizens was a learning curve. But then I learned that the FIRST time you pay a certain person/company, there's a long delay of a few weeks. After that first payment, subsequent payments to the same place is much quicker - usually just a matter of days. So now I know that I need to request the bill payment as soon as the bill comes in, rather than waiting a few days before it's due. I'm okay with that, it's just part of my routine now.
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