Check Pay Payments Have Not Reached Billers After 12 days.

paton

Two check Pay payments that were due 1/24/22, sent on 1/14/22, have still not reached the billers as of today, 1/26/22. I had to pay them with a credit card along with a "convenience fee."

Rocket J Squirrel

There is something wrong with the postal service. I have several uncleared checks from as far back as 12/17/21 and from early January that I printed myself and mailed.

Today (1/26/22) I received mail from a nearby neighbor postmarked 12/20/21.

UKR

I can only repeat what I've been saying numerous times before: Avoid Check Pay and the Postal Service. Go electronic wherever you can.

Be sure to avoid late fees and penalty interest rates

Are you about to be late with making your bill payment due to problems or unexpected delays in Quicken Bill Manager (Quick Pay or Check Pay) that can't be resolved in a timely fashion?

While you're waiting for the problems to be resolved, to avoid missed payments I recommend you logon directly to the biller's website and authorize them to direct debit (aka PAC Draft, Autopay, APS, etc.) the next (and perhaps all future) payments from your checking account or a credit card. The biller will make an electronic debit on the due date and you don't have to worry about being late.

In Quicken just record a scheduled reminder which does not execute as an online payment into your account register on or before the Due Date and before you download transactions from the bank or credit card containing the debit transaction. That will allow Quicken to match your register transaction to the downloaded data and not cause any further issues.

Chris_QPW

I would only use Quicken’s Bill Manager/Check Pay if I was trying to destroy my credit rating.

The first question I would ask myself when signing up for any payment system is who would I contact if something goes wrong.  Quicken Inc doesn’t actually send any payments.  They pay a third party service to do it.  So, I ask you what is the name of that service and how do you contact them?  The answer is that Quicken Inc will not tell you, and you can’t contact them directly.  So, if something goes wrong you have to contact Quicken Support and hope they will contact that third party service for you and get things resolved.  That isn’t the kind situation I would trust to make sure my bills get paid.

NotACPA

To the greatest extent possible, my bills are set up for Direct Debit from the billing entity.

That way, THEY'RE responsible for missed payments.

I still have to make sure that the money is in the account, and I still have to manually input those bills (before the debit arrives) but Direct debit really makes my life a bit easier.

I manually input the bills so that I can review them when they actually arrive AND, so that I can catch any typos on my part when those bills arrive.

Chris_QPW

NotACPA said:

To the greatest extent possible, my bills are set up for Direct Debit from the billing entity.

That way, THEY'RE responsible for missed payments.

I still have to make sure that the money is in the account, and I still have to manually input those bills (before the debit arrives) but Direct debit really makes my life a bit easier.

I manually input the bills so that I can review them when they actually arrive AND, so that I can catch any typos on my part when those bills arrive.

I do the same and whenever possible (which is true except for a couple of utility bills and HOA) I pay them with a credit card (that pays me back cash).

This means that I really only have to put in reminders for the credit card payment and the "exception bills" that are paid directly from the checking account, and then I can use the projected balance graph to make sure I have enough in my checking account at the right times.  I don't have to put in a reminder for every single bill I pay.