[cynwoody]

Bank Accounts are just fine if you choose a Credit Union, it is virtually IMPOSSIBLE to transfer Money OUT of MY Credit Union without Physically walking in and filling out a bunch of papers.

How do you pay your bills?

I have a B of A account. When my Amex bill arrives, I log onto my B of A account and schedule a payment of the full amount on the due date several weeks into the future. Just keystrokes and clicks. Works every time. Puts the USPS out of business (or reduces them to littering my mailbox with ValuePaks).

What's the use of a bank account if not to make payments?

[eyeamok]

Easy, I only Write Checks for Bills, and pay CASH for everything else. I make NO electronic Transactions of ANY KIND EVER. I should also point out the obvious, when you Use CASH ONLY, you will find yourself not Wasting Money on trivial Bullshit that you really don’t need. Abstinence works every time it is Tried.