Yes, I am using BofA's bill paying system and it works
great, have had a couple of snafus but they have fixed
them and where there were charges reversed or covered
them by THEIR OFFERING, I did NOT have to ask them how
they were going to take care of it, last instance they
credited my account with the charges BEFORE the charges
hit. They seem to really want that system to run right.
They even wrote letters to the parties so that everyone
involved understood it was a bank caused problem and not
mine.
By way initially I had some problems with non-IE browers
but now all of them appear to work just fine with the
on line banking pages.
> -----Original Message-----
> From: robin [mailto:robin@roblimo.com]
> Sent: Saturday, September 21, 2002 07:37 AM
> To: slug@nks.net
> Subject: Re: [SLUG] Batteries Plus review
>
>
>
> > Plus, not many people realize that you have certain fraud and abuse
> > protections as a consumer when you use a credit card. This
> isn't true
> > with debit cards, and I doubt it's true with one of these "check
> > substitute" services.
>
> This is correct. And don't forget my "Roblimo" sig comes from having
> owned "Robin's Limousine," so I have many years of experience dealing
> with merchant banks (credit card processors).
>
> Here's another "gotcha" that can hit you with debit cards or
> checks that
> aren't really checks but debit authorizations: the merchant may not
> submit their request for payment for many weeks. I've had debit card
> transactions show up as long as 60 days after my purchase. In theory,
> one of the advantages of debit cards over credit cards or
> checks is that
> you can't go over your limit or spend more than you have in your
> account. This is not so. I got bit by this once and ended up
> over $400
> overdrawn on a checking account because of it, plus $75 or so
> in bank fees.
>
> The nice people at Bank of America immediately credited the fees back
> and hooked that checking account to a credit card for overdraft
> protection, but I learned a lesson from the experience and
> moved to my
> current purchasing pattern:
>
> 1) All company-reimbursable purchases (mostly travel) made on
> one credit
> card that is used for nothing else.
>
> 2) All substantial personal purchases (including tax-deductible but
> non-reimbursable business spending) on a separate credit card.
>
> 3) Debit card used only to get cash from ATM machines; all
> purchases not
> made with credit cards are made with cash.
>
> 4) Bills still paid mostly by check, but moving toward online pay
> through B of A's system, which we've now tested for over a
> year with a
> few small bills and have found to be problem-free. (Our other bank, a
> small one in MD, has a troublesome and insecure online
> payment system.)
>
> - Robin
>
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