Reply #12: I don't use bank-based bill paying, but I have each account set [View All]

[eyesroll]

to either be paid by the credit card or debited out of the checking account automatically.

The credit card I do online, but manually, because the amount due fluctuates horribly -- this last month it was $3,000 more than our normal baseline (groceries, gas/car maintenance, entertainment, cable/internet, water softener rental, cell phones and regular phone all go on the CC). because of that was a furnace. I don't carry balances, so I don't pay interest-- and this allowed me to keep that $3,000 for an extra month, between the date I got the furnace and the date the credit-card bill was due.

I write four checks a year for water/sewer (the city won't do it aautomaticall or accept credit cards), and maybe a few others here and there. But I haven't bought new checks in years -- and we'll likely move, change banks or have to change the area code on the checks before we run out.