Weekend Open Forum: Do you pay your bills online?

By Shawn Knight ยท 30 replies
Oct 26, 2012
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  1. It dawned on me a few days ago as I was making out a check for my water bill that I pay almost all of my bills online. With the exception of one lame utility that sees it fit to...

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  2. Macgyver56

    Macgyver56 TS Member Posts: 24   +6

    I pay everything possible online or with a bank draft. I was a little bit of a holdout for a lot of years, sticking to that check-writing rallying cry of, "I want control over when it gets paid, and the opportunity to review my bill for mistakes!!!!"

    Then one day I was looking at a natural gas bill, and thought, "I've been paying this company for almost 20 years. In that time, how many mistakes have I found? Erm ... that would be zero." That was the day I began to change over to automatic and/or online payments. I love it. I never have to worry about missing a payment or how to deal with a bill that's due when I'm on vacation. In the years since I've switched over (about 5-6 years ago), I've never had a problem (other than one of my own making) or an error.

    Handling accounts online is especially nice. No waiting on hold, no cranky service reps, I can tweak what I want without listening to a sales pitch ... the list goes on. I take two precautions, however. I never go into those accounts using unsecured or public networks, and I use complex passwords.
  3. Sean Mann

    Sean Mann TS Rookie

    Haven't been in a bank in a good year or so except for a notary. I use all online banking and even deposit my checks wight my phone. Bye bye tellers
  4. BlueDrake

    BlueDrake TS Evangelist Posts: 370   +108

    I pay mine online but I only have a few. Just even then I keep the physical mail coming, because you never know when the net won't work. Or simply you don't have enough in your bank account, and rather pay from your wallet instead. I prefer paying my ISP via online banking, problem is for me? It takes an extra day to go through, add weekends and holidays.. then I have a serious problem.

    It tends to lead me into issues, but the general issue is my bill come up mid-month. So there's a lot of problems, with balance leftover adding up. Still meh on that really, there's always bound to be some issues. Sure I can always do automatic withdrawls, but I prefer doing it manually. Even if it does take a few extra days, so if they call I simply tell them it's been sent. So if they keep persisting, I'm not going to take their calls.

    There's been no real issues, since I had automatic withdrawls before. ISP would pull out what's left, get an NSF and hit with like $45 fees so I'm not bothered. Stick with what I need really, otherwise I get stuck with more problems. I don't feel the need really, to deal with someone on the phone. I do banking in person for general things, but not for paying bills since that's taken care of at home.

    Also if there's an issue I have come up, I can check my payments and prove it's there. Since I was the one who paid it, and not some automated system which isn't always reliable.
  5. Greg S

    Greg S TechSpot Staff Posts: 981   +422

    I pay all bills online that I can except for my phone bill because they also want a fee for paying it online. Obviously I'm not going to pay more when I can just as easily mail a check.
  6. TomSEA

    TomSEA TechSpot Chancellor Posts: 2,679   +759

    Except for rent, every bill I pay is online.
  7. Yep, all done online for many years with no problems at all. I also hardly use cash so everything is a click or a beep, with everything automated to pay on time, top up accounts etc.

    One downside - I'm not so careful about how much I'm spending.
  8. Dawn1113

    Dawn1113 TS Booster Posts: 322   +65

    As a general rule, I do not pay my bills at all. :D Kidding, of course.

    Yes, I pay my bills and handle just about all my financial transactions online. I hate standing in queues.
  9. madboyv1

    madboyv1 TechSpot Paladin Posts: 1,461   +363

    I too pay most of my bills electronically, though some bills are to individual people so I write a check or transfer money to them via services like paypal.
  10. Except for rent, every bill I pay is online.
  11. spydercanopus

    spydercanopus TS Evangelist Posts: 848   +114

    I don't do business with those who commit the sin of usury by charging interest for the use of money. My bank is paypal.
  12. hahahanoobs

    hahahanoobs TS Evangelist Posts: 2,003   +661

    I pay my rent and bills online.
  13. Tekkaraiden

    Tekkaraiden TS Evangelist Posts: 997   +93

    I've been paying all my bills online for almost 10 years. My paycheck is the only reason I have to visit the bank.
  14. mevans336

    mevans336 TS Enthusiast Posts: 161   +11

    Huh? I pay my bank nothing, they pay ME interest. Paypal, on the other hand, takes a fairly large percentage of any incoming money.
    Wendig0 likes this.
  15. hahahanoobs

    hahahanoobs TS Evangelist Posts: 2,003   +661

    You don't have direct deposit options? Where do you live?

    PayPal took money from me when I transferred money to my bank account.
  16. TJGeezer

    TJGeezer TS Enthusiast Posts: 385   +10

    Pay all U.S. bills online, have done so for years. Our credit union does not suck money from us for making online bill payments. However, here in Mexico our accounts with utilities and local merchants need to be paid in cash.
  17. killeriii

    killeriii TS Enthusiast Posts: 213   +14

  18. Tekkaraiden

    Tekkaraiden TS Evangelist Posts: 997   +93

    My boss pays me by manual check, she's too thrifty to pay to have it direct deposited.
  19. avoidz

    avoidz TS Guru Posts: 460   +55

    Rent and medical, yes. Power, phone, no. I don't mind dropping in to the post office to pay a couple of bills while I'm out.
  20. veLa

    veLa TS Evangelist Posts: 773   +221

    Usually they try to charge me some sort of service fee for paying them online, as if being paid at all isn't good enough! So no, I always write a check.
  21. I auto-charge all bills to credit cards to maximize credit card rewards. I auto-debit my mortgage payment and full credit card balance each month from my checking. So everything is automatic. I keep a little extra "padding" in my checking account so I don't have to worry about an overdraft. Zero hassle and I've never paid a fee of any kind.
  22. Trusya

    Trusya TS Rookie

    I've started paying my bills online when I realised that the banks were taking enourmous fees for the operations. I understand that they also need to earn some money but it was a way too much in the end of the month.
    Meanwhile, I do all the payments online. I even shop online and I play online games, for which I also have vouchers like paysafecard, so everything happens online for me.
    Some of the companies in my city only accept online payments. Like the gas company - there's no other choice, you have to do everything online.
    I don't complain, it's quite convenient.
  23. QuaZulu

    QuaZulu TS Enthusiast Posts: 63   +10

    Here in Malawi, Africa there's no "plastic" and no one takes checks. Cash everywhere, baby!
  24. I guess I'm the only one who doesn't pay bills online. I hope all of you who are doing financial transactions online are using a Live Boot Linux CD for them.
  25. LNCPapa

    LNCPapa TS Special Forces Posts: 4,263   +453

    Every one of my bills is automatically debited from my account except my water bill (they won't do it automatically), but I do pay that bill online manually.

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