Using Your Bank to Pay Bills
 

Do you use your bank to pay your monthly utility bills or other transactions?

Just curious

Yes, citizens First for many years. No problems.

Do you mean going into the bank and paying the bill in person? I don't do that. But, I pay almost all bills using the online banking system. The money is transferred electronically to the payee. I don't use autopay where the merchant or utility company can take money from my account.

I do for some and others I set up a monthly payment in my banks bill pay system. When I use the bill pay I pay a month in advance so I always have a credit balance. I usually take last years expense and divide by 12 to get my estimated monthly payment. If your vendor offers a budget system you could sign up for that.

;) Yep! And now I'm thinkin "bout getting me one of them there telly phones.....maybe even a debit card too. :rolleyes:

Only one account, Verizon since it saves $30/month, and this is on a separate account so when they get hacked, the most someone will get from me is a couple of hundred dollars, everybody else is by check.

Some years ago I put my utility bills on autopay as I traveled so much and did not want to miss paying those bills on time. My initial wariness gradually faded over time and I am now quite comfortable with doing it. I also have a low limit credit card for autopayments for cable, telephone, exterminator service and such. I still pay credit cards via phone call.

We have multiple banks. Our main account that we have had for 35 years and gets our direct deposits. We pay bills online or automatic withdrawals from this account. We also transfer money to a credit union which we use to pay all Florida bills. Then we have an account for my wife’s business and we move money there if needed to pay bills there. Two other banks we have but don’t have a ton of interactions is Citizens First for our mortgage and Campus USA for our golf cart loan. Generally we order 40 checks that last us a year or two.

I'm the one in line at the register everyone hates, writing a check, I know, I know, it's hard to teach an OLD DOG, new tricks, besides I'm perenoid.

Have been doing online banking and paying bills through both of our banks since inception. I write a check roughly 2 times a year. I still use my checking account record for all my transactions.

Never have any business debit my bank, or personal credit card.

Yes, haven't written a paper check in probably 10 years.

yes

YES but some I write checks for.

People forget by writing checks, you are totally responsible until the receiver cashes that check which could be months.

Also when using a bank to pay your bills, if for some reason the bank screws up, YOU are
responsible for late payment, NOT THE BANK.

The Answer:
Always use rewards or cash back c/c and use your c/c $$$$.
If that bill is not payed, they will investigate it, and you have options on why it wasn't paid.

Pay directly on their website with your c/c, sit back and receive the rewards that are TAX FREE.

A no Brainer.

OH.....Your Welcome

I pay internet, TV, gas and electricity on auto pay but not utilities. Utilities has water and irrigation and there have been discussions regularly with what is charged so they are monthly payments by echeck. I have a Citizens debit/visa card which is neatly tucked away in my drawer as backup if I should ever need it. And I have one single credit card in my wallet. And a Sam’s club card. And cash for tips etc. For contractors/service people I use paper checks.