Don't you have a Debit card or check guarantee card through them?!
By "them" I assume you mean the CU? Yes, I have a debit card, along with a regular revolving-charge VISA, checking, savings, etc. Not sure what that has to do with an online bill-pay function.
I would like to achieve having ONE site to go to on which I can pay multiple bills electronically. This would be a real time and detail saver vs. going to individual websites to pay individual bills electronically.
I'm not a fan of automatic payments and although I have a couple of bills for which that was the only viable option, I do not like having multiple hands in my bank account. Plus, since my income is not direct deposited on the same day or date (i.e., 1st, 15th, 30th), or same point in the month, each month
, it's very easy to end up overdrawn when an 'auto pay' self-initiates before the direct deposit arrives :( I also find it difficult to 'remember' each and every auto-pay date, so I end up entering the few auto-pays all the same time (when the direct deposit posts) even though they have not yet transpired.
My sister's CU online bill pay does not require that bills be paid via the system 7-10 Biz days in advance of the due date; the explanation given by my CU for this requirement is that supposedly some bills are paid by the system with actual paper transactions - just as if the account holder were to write and mail their own paper checks. ;Q
What I was hoping to find was an online bill pay service at whose website I can sit down a couple of times a month and 'schedule' the upcoming payments to be made, and which will not transmit those payments electronically UNTIL the individual dates I have assigned to each bill. I need to streamline where my time goes - and a lot of it gets eaten up keeping track of bills AND the days on which to go online and pay them (or get a check in the mail). I've done what I can to move due dates to about the same general point in each month, but not all accounts allow holders to select their own due dates.