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#312904 - 12/08/2008 16:02 Automatic payment options.....
burdell1 burdell1 old hand Registered: 14/01/2002 Posts: 882 Loc: Minnetonka, MN	After recently forgetting to pay a couple of my credit card monthly payments, I think I need to get a automatic payment service of some kind (since the credit card companies don't seem to offer it for obvious reasons). However, the only one I have found so far that seems to be reputable is MSN Bill Pay. However, they ask for a Social Security number and I don't really feel they need it. Are there other ones you might suggest?
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#312905 - 12/08/2008 16:07 Re: Automatic payment options..... [Re: burdell1]
Roger Roger carpal tunnel Registered: 18/01/2000 Posts: 4554 Loc: London, UK	Originally Posted By: burdell1 I think I need to get a automatic payment service of some kind You don't have Direct Debit in the US? -- roger
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#312908 - 12/08/2008 16:38 Re: Automatic payment options..... [Re: Roger]
tman tman carpal tunnel Registered: 24/12/2001 Posts: 4312 Loc: UK	If its a credit card payment then just mark it off on your calendar no? - Trevor
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#312910 - 12/08/2008 17:00 Re: Automatic payment options..... [Re: tman]
burdell1 burdell1 old hand Registered: 14/01/2002 Posts: 882 Loc: Minnetonka, MN	I just want it automatic just in case I forget.....Plus, the date varies every month too (I think they do that part on purpose $\:\)$
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#312911 - 12/08/2008 17:02 Re: Automatic payment options..... [Re: burdell1]
Tim Tim old hand Registered: 25/04/2000 Posts: 798 Loc: Arizona	I've seen Bill Pay quite a bit, but never looked into it. Do they have automatic payments by chance?
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#312912 - 12/08/2008 17:05 Re: Automatic payment options..... [Re: burdell1]
Robotic Robotic veteran Registered: 06/04/2005 Posts: 1260 Loc: San Francisco Bay Area	Check the online services provided by your bank. I can check account activity, move funds between accounts, pay bills, and also set up bill payment schedules. Of course, the continuously scheduled payments are set to a predetermined amount- good for rent and loan payments, but maybe not for credit cards. Still, a small automatic payment might keep you from being charged a late fee. 10101311 (20GB- backup empeg) 10101466 (2x60GB, Eutronix/GreenLights Blue) (Woot!)
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#312914 - 12/08/2008 17:10 Re: Automatic payment options..... [Re: burdell1]
canuckInOR canuckInOR pooh-bah Registered: 13/02/2002 Posts: 2162 Loc: Portland, OR	Have you tried your bank's online banking offerings? You might want to consider a different credit card, too. The cards I've had (and banks I've used, for that matter) have all offered auto-payment.
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#312917 - 12/08/2008 17:40 Re: Automatic payment options..... [Re: burdell1]
peter peter carpal tunnel Registered: 13/07/2000 Posts: 3349 Loc: Cambridge, England	Originally Posted By: burdell1 the credit card companies don't seem to offer it It's probably worth checking with them. Here in the UK my credit card issuer stopped listing direct debit in their "how to pay this bill" section a while ago, but they do still offer the service if you ring up and ask. Peter
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#312918 - 12/08/2008 17:54 Re: Automatic payment options..... [Re: burdell1]
tfabris tfabris carpal tunnel Registered: 20/12/1999 Posts: 27576 Loc: Seattle, WA	I second the recommendation of hooking up with your bank's online bill paying features. I do 100 percent of my bill paying with my bank's online features now. Whether the bank pays electronically or via paper, it doesn't matter, it's all just handled at their end. I opt for still receiving paper statements from all of my services because I like having the records, but I can still pay them online. Paying bills and balancing my accounts is now a 30-minute procedure that I perform twice a month, instead of the gigantic hours-long hassle it used to be, back when I was a lad. I haven't licked a stamp or sealed an envelope in years. And with the kind of account I've got with my bank, the bill pay feature is free. I had to do some slight modifications to my account to make it free (only certain classes of accounts have free bill-pay), but I was OK with those changes. Edit: One thing that I don't do is have the services automatically withdraw their payments from me. It's an option with most of them, and it would certainly solve the specific problem you initially posted, so look into it and see if it's what you like. Me, I prefer to be the one who decides when they get paid. Tony Fabris
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#312920 - 12/08/2008 18:12 Re: Automatic payment options..... [Re: tfabris]
hybrid8 hybrid8 carpal tunnel Registered: 12/11/2001 Posts: 3575 Loc: Toronto, CANADA	I don't think I've paid a bill OFFLINE since early 1995. I have 5 online banking accounts with 5 different banks and they all offer payment and transfer scheduling. I don't have deposit accounts with all 5 of the banks though. The interfaces and abilities vary, but they can all be set at least to a specific date each month with a specific amount for the payment. Generally I can also specify whether the schedule will repeat perpetually or occur a specific number of times instead. Bruno Twisted Melon : Fine Mac OS Software
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#312924 - 12/08/2008 18:36 Re: Automatic payment options..... [Re: hybrid8]
wfaulk wfaulk carpal tunnel Registered: 25/12/2000 Posts: 13702 Loc: Raleigh, NC US	One thing about bank BillPay features: I've had some banks that will actually connect to your billers and find what amount you owe and show it to you on the bank's BillPay page. Other banks don't seem to have that feature. It's a nice feature that I wish I had with my current bank, but so many other things are nice that I'm willing to overlook this one. Bitt Faulk
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#312928 - 12/08/2008 20:30 Re: Automatic payment options..... [Re: burdell1]
tman tman carpal tunnel Registered: 24/12/2001 Posts: 4312 Loc: UK	Originally Posted By: burdell1 I just want it automatic just in case I forget.....Plus, the date varies every month too (I think they do that part on purpose $\:\)$ Ah. I manually pay my credit card bill but I do it electronically. I've set up a monthly standing order however that will always pay £10 in so I don't ever get the late payment fines or nasty letters. Its just to cover any times when I forget to pay in time. - Trevor
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#312929 - 12/08/2008 20:35 Re: Automatic payment options..... [Re: tman]
mlord mlord carpal tunnel Registered: 29/08/2000 Posts: 9841 Loc: Canada	My bank automatically transfers exact funds from my savings account to pay the CC bill in full each month. Years ago, I asked for this, and they said, "Huh?". Then, perhaps five years ago, they began nearly demanding that their customers sign up for this (free) new service. Weird. Cheers
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#312933 - 12/08/2008 22:56 Re: Automatic payment options..... [Re: tman]
tfabris tfabris carpal tunnel Registered: 20/12/1999 Posts: 27576 Loc: Seattle, WA	Originally Posted By: tman I've set up a monthly standing order however that will always pay £10 in Man, if only my credit card bills were that small! $\:\)$ Tony Fabris
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#312935 - 13/08/2008 00:10 Re: Automatic payment options..... [Re: tfabris]
tman tman carpal tunnel Registered: 24/12/2001 Posts: 4312 Loc: UK	Originally Posted By: tfabris Originally Posted By: tman I've set up a monthly standing order however that will always pay £10 in Man, if only my credit card bills were that small! $\:\)$ Hah. I wish. Thats just the minimum payment! $\:D$ I normally pay it off fully every month but because I'm doing it manually then I might forget. - Trevor
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#312943 - 13/08/2008 03:48 Re: Automatic payment options..... [Re: tman]
tfabris tfabris carpal tunnel Registered: 20/12/1999 Posts: 27576 Loc: Seattle, WA	I meant, if only my minimum payments were that small. $\:\)$ Tony Fabris
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#312957 - 13/08/2008 16:42 Re: Automatic payment options..... [Re: tfabris]
DWallach DWallach pooh-bah Registered: 30/04/2000 Posts: 2045	I used to use Chase's online bill payment (via Quicken) and liked it up until a few years ago. Originally, I'd pay a bill and, when necessary, a check would be printed and mailed. For clueful payees, the whole transaction would be paperless. Cash never left my bank account until the check cleared. Then Chase changed things around. Now, they take the money out of your account in advance, whether or not the payee ever receives the check. That means, if you're paying your credit card bill, you're basically giving the bank several days of additional "float" on your money with zero interest. In one case, where I paid a bill that required a check to be printed, to my gardener, he never got it but the money was absent from my account. Cleaning that up was annoying. I've since switched to Fidelity's BillPay. It's all online, through their web site, and free of any fees (minimum balance requirements, etc.). This works how you would expect. The money is in your account, earning you interest, up to the minute that the payment clears. BillPay also knows how to present you with your bills (either showing you HTML inline, with some vendors, or linking you out to a vendor's web site, for others), email you when a new bill has arrived, etc. It's about as painless as you could possibly want. About the only problem I've found is that it doesn't load properly on an iPhone. Yet. They're clearly working on an iPhone-specific front-end for Fidelity. It works in parts and fails in other parts.
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#312978 - 13/08/2008 18:30 Re: Automatic payment options..... [Re: hybrid8]
canuckInOR canuckInOR pooh-bah Registered: 13/02/2002 Posts: 2162 Loc: Portland, OR	Originally Posted By: hybrid8 I don't think I've paid a bill OFFLINE since early 1995. Well, to be fair, Canadian banks are generally miles (err... kilometers?) ahead of their US counterparts when it comes to advances in, and introduction of, new technology.
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#313001 - 13/08/2008 22:28 Re: Automatic payment options..... [Re: canuckInOR]
msaeger msaeger carpal tunnel Registered: 23/09/2000 Posts: 2918 Loc: Minnetonka, MN	I would think whatever bank you have an account at would offer that. Wells Fargo does I know TCF did too. Matt Wii Wii Wii
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#313004 - 14/08/2008 04:10 Re: Automatic payment options..... [Re: msaeger]
gbeer gbeer veteran Registered: 17/12/2000 Posts: 1513 Loc: Manteca, California	WF does, but it's kind of wonky. On the other hand WF does allow one to make payments directly to any other WF account holder. A feature I found handy to receive payment for a recent ebay sale. Glenn
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#313009 - 15/08/2008 00:29 Re: Automatic payment options..... [Re: gbeer]
msaeger msaeger carpal tunnel Registered: 23/09/2000 Posts: 2918 Loc: Minnetonka, MN	That's neat I didn't know you could do that. What info do you have to exchange to make the transfer ? Matt Wii Wii Wii
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#313025 - 15/08/2008 08:16 Re: Automatic payment options..... [Re: msaeger]
tfabris tfabris carpal tunnel Registered: 20/12/1999 Posts: 27576 Loc: Seattle, WA	I use the Wells Fargo "transfer to another wells Fargo user" feature every month. The info you need to supply is: Account name of other user. (Person's correct first and last name). Account number of other user. Your ATM PIN. Which account to send the money from. How much (up to 1000.00). Description ( optional ). Tony Fabris
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#313027 - 15/08/2008 14:50 Re: Automatic payment options..... [Re: canuckInOR]
hybrid8 hybrid8 carpal tunnel Registered: 12/11/2001 Posts: 3575 Loc: Toronto, CANADA	Originally Posted By: canuckInOR Well, to be fair, Canadian banks are generally miles (err... kilometers?) ahead of their US counterparts when it comes to advances in, and introduction of, new technology. But we're still at least 10 or more years behind Europe in ATM technology rollout. In Canada you can send money online (up to a maximum of $5000 for some banks) via email. All you need is the email address of the person you're sending the money to. You don't need their name or accounts or anything else (having someone else's account is a security concern after all). Basically you create a secret question (free-form text) and answer (also free-form). The question gets sent with the email notification. When the recipient visits the link provided in the email they first choose their bank from a list and then are presented with the question after logging in. If they don't provide the correct answer they can't claim the funds. Ideally you'd have provided them with the answer by phone or in person, not via another email. $\:\)$ The fee is usually the same as a third-party ATM withdrawal, $1.50. Canada is king of service charges as far as I know. There's only one single "bank" that I know of right now where you can have a chequing account that doesn't cost you money every month, even if you don't use it. Bruno Twisted Melon : Fine Mac OS Software
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#313029 - 16/08/2008 04:39 Re: Automatic payment options..... [Re: hybrid8]
tanstaafl. tanstaafl. carpal tunnel Registered: 08/07/1999 Posts: 3378 Loc: Mountain View, California	Quote: Canada is king of service charges as far as I know. There's only one single "bank" that I know of right now where you can have a chequing account that doesn't cost you money every month, even if you don't use it. My bank is a small, non-franchise bank (that is, not like Wells Fargo or Bank of America) in Fairbanks, Alaska. Even though I am now living in California (and next year in Mexico) I am keeping them as my bank. They are very much customer oriented. They know me personally, I can send them an email and they will do a $10,000 wire transfer (without any service charges) to Carlos' bank in Mexico. There are no fees for checks, they pay interest (minimal) on my checking account, money orders are free, etc. There is no problem setting up autopay for any repetitive bill. They're a small bank, but their service is large. tanstaafl. "There Ain't No Such Thing As A Free Lunch"
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#313030 - 16/08/2008 05:34 Re: Automatic payment options..... [Re: tanstaafl.]
wfaulk wfaulk carpal tunnel Registered: 25/12/2000 Posts: 13702 Loc: Raleigh, NC US	Out of curiosity, does anyone have a bank that actually allows you to do bill payment from your financial application (Quicken, Money, etc.)? Bitt Faulk
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#313031 - 16/08/2008 13:47 Re: Automatic payment options..... [Re: wfaulk]
msaeger msaeger carpal tunnel Registered: 23/09/2000 Posts: 2918 Loc: Minnetonka, MN	Wells Fargo did but I haven't used it for a while so I don't know if they still do. There was a few dollar fee of course. Matt Wii Wii Wii
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#313033 - 16/08/2008 15:24 Re: Automatic payment options..... [Re: wfaulk]
DWallach DWallach pooh-bah Registered: 30/04/2000 Posts: 2045	Chase Bank lets you do payments from Quicken. But, as I mentioned above, they do it in a funny way. You also pay $5/month or so for the "convenience" of it.
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#313037 - 16/08/2008 21:13 Re: Automatic payment options..... [Re: DWallach]
wfaulk wfaulk carpal tunnel Registered: 25/12/2000 Posts: 13702 Loc: Raleigh, NC US	You mean the taking the money out when the check is written? My bank does that now, too. I thought it was part of the Check 21 Act regulations that were put into effect late 2004, but I can't seem to find any reference to that now. Bitt Faulk
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#313039 - 17/08/2008 03:12 Re: Automatic payment options..... [Re: msaeger]
gbeer gbeer veteran Registered: 17/12/2000 Posts: 1513 Loc: Manteca, California	Originally Posted By: msaeger That's neat I didn't know you could do that. What info do you have to exchange to make the transfer ? For starters, How much is in your account? $\:\)$ Glenn
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#313040 - 17/08/2008 05:49 Re: Automatic payment options..... [Re: gbeer]
msaeger msaeger carpal tunnel Registered: 23/09/2000 Posts: 2918 Loc: Minnetonka, MN	$\:\)$ Matt Wii Wii Wii
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