I bank with Capital One 360. I pay all bills online. If the company doesn't have a relationship that lets the bank just send the money, the bank sends a check. I don't pay for the stamp. And their calendar tool lets me select the pay date that will get the check there on time. I've been doing this for years and never had a payment get lost.
I would probably do that, but my bank isn’t set up for it. Long story short, since my math skills are compromised by CFIDS (every job I had for most of my life, I worked with money) I can’t balance a checkbook.
This bank allows me to write checks and takes the money out immediately so the check will be covered. Otherwise, I’d still be using money orders.
It’s not my idea of fun, but it is what it is, and I have to function the way the disease will allow me to. So for now, this bank is the only game in town.