For me, the bill payment & fee situation is:
Landline, mobile & internet, electric, and credit card: free online billpay from my bank (BOA), goes through the next business day.
Mortgage: BOA also has my mortgage, so free online transfer within the bank, goes through immediately.
For all of these, I go online and pay them as the bills come in (by email) or come due; that is, I have no automatic payments set up.
Condo assessment: old-fashioned check, by mail or at a drop-box at the management company office. Postage stamp if I mail, no stamp if I use the drop-box, which is sorta (but not exactly) on the route between home and the train station.
Auto & homeowner’s insurance: company gives me the choice of either writing a check, one-time online payment for $3.25, or the autopay deduction thing for free. Don’t want to pay for the “privilege” of paying my premium :rolleyes:, don’t want hundreds of dollars deducted from my bank account at a time of someone else’s choosing :eek:, generally not worried that the “post office [will] fuck it up” as pbbth worries. So I choose the old-fashioned check in the mail.
While I agree with muldoonthief that we shouldn’t need to send checks for routine or regular bills, I also agree with Flyer that mailing a check is by far the lesser of two evils when the other choice is instant payment with a fee – unless the “convenience” fee is $0.50 or less (postage + envelope, if not provided), which it almost never is, or you’ve got less than a week before a late-payment fee kicks in. Crotalus: I didn’t get the impression Flyer was eschewing all online or instant payments, just saying that if and when one’s choice is not-free instant payment or check by mail, the latter is a viable option.
FairyChatMom: no, if you’re comfortable with automatic payments, then it works for you. Personally, I’m wary of sums of a couple hundred dollars or more coming out of my checking account, for fear that the payment will come due at a time when I don’t have enough in the account so I end up in NSF/bouncy check territory. I do have automatic top-up from my credit card for my transit and tollway accounts because a $40 charge (the amount I set with both authorities) at a random time isn’t ever going to push me over my credit limit.