Bill payment (from within Quicken) funds withdrawal date versus actual payment date...

Jon McIntosh

(Quicken 2007 for the Mac and Quicken 2019 Premier for the Mac)

Using Quicken 2007 for the Mac (build 16.2.4) I pay my bills within Quicken by enabling "pay bill through my bank" (NOT Quicken Bill Pay) and have been doing this successfully for years. In the account register field "number" I enter "send" and for all online payees (and a $9.95 monthly fee from Wells Fargo!) online payments are processed. The date that I specify for payment (which requires me to "send" at least 5 business days prior) is the earliest date the payment can be negotiated/deposited by the payee. Upon sending payment a discrete check number is assigned and automatically placed in the "number" field of my account register. Funds are NEVER withdrawn from the account until the payee negotiates the check.

For the last few months I have been running Quicken Premier 2019 for the Mac with the same bank listed as "Bill Pay Provider" and Online Payee data entered and present for each Online Payee. In Q2019, If I follow the exact same process as in Q2007 and originate the payment in Q2019, the "Edit Details > Online Payment" area shows a calendar with two dates, the "debit date" when the amount will be deducted from the account and the "pay date" when it will be delivered. This means that between the debit date and the pay date, which appears to be about 5 business days, I no longer have access to my money nor has the payee yet received the check payment.

To make matters stranger, if I originate such a payment in Q2007 and then "update online account" (the same bank account of course), the Q2019 account register for the same payment in "Edit Details > Online Payment" shows "Funds will be removed from your account on the withdrawal date" i.e. no discrepancy between debit date and pay date.

Now I am wanting to make the move exclusively to Q2019 soon but I don't want my bill pay funds removed from the account until the payment is negotiated/deposited by the payee, just like I've been doing in Q2007 for many years.

I have looked all over Q2019 for a setting or preference or something to make Q2019 perform consistent with Q2007 in this regard. Does anyone know what I can do to make Q2019 perform consistent with Q2007? Thanks!

jacobs

Jon, this forum is not Quicken Support. It's mostly user-to-user support. Sometimes one of the Quicken moderators can answer questions if they have an answer known within Quicken. But if you want to hear from a Quicken support person, you will need to contact Quicken Support. There's 24x7 chat support, or you can use phone support 12 hours a day during the week. (You should probably be prepared that you may not get an agent knowledgeable on the specifics of your question on first try; you may have to contact Support more than once to find someone who can give you a definitive answer.)