Checks paid by computer

[DaGOOSExyz]

The thread on land line phones started me wondering how many of you still pay most of your bills by hand written
check? I pay most of mine that way. Now I have Pay Pal
and have when the due date slipped up on me paid by
electronic check. Yes you have to pay for stamps in some
cases using the old way. Still some can be paid at the customer service counter at the grocery store. I just don't want to
switch to online bill paying. One reason being I think it helps
this 66 year old brain stay tuned up by doing the math by
hand instead of depending on a computer program. I have
a check card for when out and about shopping but for bills
I still go with the good ole post office.

 

[kamloops67]

my wife does all the bill payin and she works full time as well so she welcomes online payments, account transfers etc. when i need an actual hand written cheque we never seem to have them on hand.

 

[sq hunter]

cash & paper checks ,Guess I'm old fashioned.

 

[Bugkiller99]

Check? What's that?

 

[NCTexan]

I pay everything electronically using a credit card and always save an electronically printed copy of my payment in a receipts file on my computer.

While everything is subject to mistakes or fraud, I feel much more confident with this process than writing and mailing a check... expecting humans to deliver, receive, properly record, and process it.

I also have more leverage with the credit card company if there is a dispute.

Having a good computer backup process is important to me as well.

 

[blujax01]

Most of our bills are paid on-line and scheduled to be taken out of my account two days before the due date. Except for two - and that's because they ask for a 6 day lead time on electronic payment. That's ludicrous. The transfer is actually complete within 24 hours and I'm not giving someone free use of my funds for a week! I may have been born at night but... Those bills get paper checks mailed out 2 days before they are due.

I do use the App on my phone where I can deposit a check by taking a picture of it (front and back) and sending it to them electronically. Saves a lot of trips to the bank.

 

[mkk41]

The local electric company actually charges $3.50 to pay your bill on-line , so they still get a check. Most others get paid on-line.

 

[blujax01]

The local electric company actually charges $3.50 to pay your bill on-line , so they still get a check. Most others get paid on-line.

WOW - what a racket!

 

[Maddog 521]

Forty or fifty years ago "they" said they were going to eliminate cash. I never believed what they were saying. They have almost completed their mission.

 

[Calaveras Slim]

I pay most of mine on line. However, when I tried to pay property taxes on line, they wanted $60 for a $1400 transaction. Check time.

 

[Arik]

50/50. Credit card is same as my bank so i use a mobile phone app to transfer funds from checking to CC. I also use the same app to deposit checks. Very convenient. Pay my cell phone bill over the phone. Other bills i send a check

Sent from my DROIDX using Tapatalk 2

 

[Gunsnwater]

Auto pay with cc then Internet for cc I write one or two checks a year when an odd ball comes up that won't take cc or transfer. The checks I have are gonna last my life time like this.

 

[ChattanoogaPhil]

Been using online banking since the late 90s. Aside from all the conveniences, no stamps, efficiencies and reduced waste, it's great for security as you can see transactions when they occur rather than once a month in a statement. I haven't had to order more checks since I began using online banking, but the last check I wrote was for a gun to avoid a 3% extra charge.

I've signed up for ebilling and statements for everything that's available to reduce mail delivery.

I dont use online banking (bill pay) as much as I used to because I use a CC to pay bills whenever possible so I can get a percentage back.

 

[JcMack]

What's not to like about online bill payment.

 

[J. R. WEEMS]

Just about everything I pay online. Club dues get paid by check, but everything else is paid by the bank electronically. This is MOST handy when extensive travailing is involved. Just carry the laptop and I aam set to go. Haven't had a land line in years.

 

[cavsix]

It don't get better than a cancelled check for proof...

 

[H Richard]

I'm 72 but I use the on-line bill pay for most things. When it's a once a year payment such as taxes or insurance I write a check. My check book hasn't left the house in probably 8 years, we both use either a Cr card or a debit card for everything when shopping.

 

[NYlakesider]

I just do not trust the computer enough to do serious things. I will use the computer for research, find an 800# and order what I want; I never use a CC on computer. No 800#, I will find a competitor that does and buy from them.(Or go to the brick and morter store)

For the same reason I will not use those pay schemes that utilize a computer. If it’s a recurring bill I CALL and set up a auto withdrawl from my checking account. Other than that I use my CC when shopping and make one payment by CHECK to the company. Other type bills they mail and I mail their tribute back.

Every time I think, well things are going good now maybe I will join the modern work a headline hits the computer and/or the news media. It goes something like this “hackers got into the XYZ databases and got access to millions of CC info and other personal data.”

I do my best to protect what I worked hard a lifetime to get and paying by computer is not a smart thing to do (IMNSHO). I only have CCs; I will not get/use a debit card. Yes I also carry a bit of cash for the smaller bills, sure not going to swipe my card in a fast food joint for a sandwich and soda.

While I realize that most any financial transaction has its potential risk I do my best to minimize problems. You views and results might be different!

 

[Mcwsky09]

I've been paying bills electronically for something like 15 years now - initially through Quicken's Bill Pay service - which had a monthly fee - but when you accounted from postage and everything else the convenience of having everything in one place and being able to schedule payments well in advance was worth it - they also included a free copy of the Quicken software very other year or so. Now I do almost everything through my bank's online bill pay service - though I still sometimes set up the payment from the other end - the student loan web site for example, since my wife has two loans, it can be easier to pull rather than push to make sure the payments get to the right place.
I have over 40 accounts (checking, savings, 401k, mortgage, car lease, credit cards, etc) that I manage entirely online and the vast majority are paperless - which reduces the clutter in my mail box.

 

[kraigwy]

I pay mostly on line, cheaper then buying stamps. I also use CCs to pay some, that way I build points.

Seldom do I use snail mail. The exception is junk mail. I save junk mail until I get one with a paid self addressed envelope. Then I stuff all the other junk mail (after removing my name and address) in the paid envelope and mail it in.

That way it helps the post office without having to buy stamps.