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ACH or mail?

I online send two payments for home/auto insurance - the home was taking more the a week longer to process! Asked vendor why - they said one was transmitted electronically (ACH?) the other a check in the mail. Is that something I control?

Answers

  • UKRUKR SuperUser ✭✭✭✭✭
    Are you paying to the same company, using the exact same address or two different addresses?
    I'm guessing that one address is known to the bill pay service and the other is not, therefore a check is generated.
  • FrankxFrankx SuperUser ✭✭✭✭✭
    edited March 25
    Hi @andre5006,

    I think you probably understand that "sending" a payment electronically will take less time than sending a payment by US Mail (and when I say "sending" I am including not just the transmittal time but also the manual processing activity & time involved).  Obviously, if we are using an intermediary to make payments we can't "control" either process (unless of course they give you a choice - and from your post it is obvious you didn't have one).

    However, what you could do would be to change insurance providers for the policy that requires a manual check from Quicken.  You might even consider bundling your home & auto insurance with the "electronic carrier" which could save you on the premium as well!

    Good luck.

    Frankx
    Frankx

    Quicken H&B-2017 - Ver. R19.8 - Build 26.1.19.8  - Windows 10 Home - Ver. 1909
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  • SherlockSherlock SuperUser ✭✭✭✭✭
    The receiver of the funds has some control over whether sender is able to successfully transfer funds electronically or must fallback to sending a check.  For example, the receiver can set an amount limit for the electronic transfer.
    Quicken user since 1997
    Premier on Windows 10
  • andre5006andre5006 Member
    Thanks all. Yes the payments are to the same receiver - my insurance company (AAA via CSAA) and the addresses are the same (policies are bundled - payments are not). Essential question is: who can I 'poke' to initiate a move from mail to electronic payments for the one policy?
  • FrankxFrankx SuperUser ✭✭✭✭✭
    edited March 26
    HI @andre5066,

    Are you using Quicken Bill Pay (or the new Bill Manager) to make the payments, or are you using your bank's bill payment service?

    It sounds like it could be a bill payer set-up issue.

    Frankx
    Frankx

    Quicken H&B-2017 - Ver. R19.8 - Build 26.1.19.8  - Windows 10 Home - Ver. 1909
                                             - - - - Quicken User since 1984 - - - 
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  • andre5006andre5006 Member
    Hi Frankx, (as a long time Quicken user, I'm embarrassed to say I don't exactly know) - I open the account check-book, on the next open line I click "Send online payment" and write the check... Does that help - so what's my answer to your question? :)
  • FrankxFrankx SuperUser ✭✭✭✭✭
    Hi @andre5006,

    From the process you've described, I believe that you are using your bank to make the payments (i.e. you're not using Quicken Bill Pay). 

    So, let's check how the payments are setup in Q:  
    From your home screen - Go to "Bills" > "Manage Bill & Income Reminders" > Click on the "All Bills & Deposits" tab at the top > then click on the column title "Pay To / Receive From" so that it is sorted alphabetically.
    page down until you get to your insurance company's name.

    I think you will likely see two entries. If that is the case. I would suggest (based on the info you've provided above) that you delete the entry that is being paid through a mailed check.  This will leave you with only one "payee" for your insurance company - the one that is being paid electronically. 

    Assuming that you have had these payments scheduled in Q, deleting the one payee will only leave you with one reminder, so you'll need to edit that payee's "how often" information to get a reminder for both payments going forward.

    How the above make sense - but if not just get back to me.

    Take care & stay safe!

    Frankx
    Frankx

    Quicken H&B-2017 - Ver. R19.8 - Build 26.1.19.8  - Windows 10 Home - Ver. 1909
                                             - - - - Quicken User since 1984 - - - 
      -  If you find this reply helpful, please click "Like" (below), so others will know! Thank you.  -
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