It seems there is always a delay in transferring funds electronically, but you can make it work to your advantage. Rather than using your bank account to "push" the money to the creditor, use the creditor's online payment feature to "pull" the money from your bank account. I've been doing this for a few months now with a couple credit cards and MB Credit for my car. You can wait until the very last minute to submit your payment online, the creditor counts it as being "on time", but the money doesn't come out of your checking account to 2-4 more days.

BTW, I would never sign up for automatically recurring transfers. Having someone else (or a computer program) decide when to take money out every month would really give me the creeps.

Edit: I also had a problem when I tried to "push" money from one account to another with the same bank. I did an online transfer because I needed the money in a hurry. Everything was done according to their directions, and yet they "lost" the money for over a week. Yet another reason to pull rather than push.

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Rick Miley
2014 Tesla Model S
2018 Tesla Model 3
2017 Nissan LEAF
Former MB: 99 E300, 86 190E 2.3, 87 300E, 80 240D, 82 204D Euro
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