[golfnut]

We opened an account at Citizens First and the gal at the bank helped us get all the utilities, amenities, etc set up on auto pay through our checking account. I still get copies of all bills etc at home in Michigan, they are just automatically deducted from account on due date. I have a couple hundred bucks deposted from each pay to the Florida account, there is also a small of over draft preotection but I never used it.