• Personal
Personal Paying Bills Without a Bank Checking Account

Paying Bills Without a Bank Checking Account


The banking system has made it very easy to pay your bills online by using their bill pay service. This banking service does save on time and postage however many banks charge you monthly service fees and those fees do add up over time.

Paying Bills Without a Bank Checking AccountIn addition to the monthly service fee, banks also offer overdraft protection.  This service is great because you never have to worry about a bounced check, however the fee for this service is costly.

We learned the hard way what that overdraft fee was.    Know that when my husband took over the household bill pay and he had 3 overdraft checks.  Yes the bank paid them BUT our account was charged $35. for each check that was presented for payment when our account was overdrawn. Yes banks make paying bills easier but it comes with a price.

Paying Bills Without a Bank Checking AccountMy husband got hot under the collar at the ridiculous overdraft fees and closed out our checking account.  We still needed to pay our bills so we paid with money orders, or with cash. You have to pay for the money order and money gram has fees also. Cash is good but standing in lines at the utility offices is not fun.

The best way to pay your bills without a bank checking account is to buy a prepaid debit card. We have a Walmart money card and paid $3. to load the card with cash. We paid this loading fee until my husbands employment check was automatically loaded to the debit card. Now we no longer pay loading fees or monthly service fees.

We  manage our personal finance by paying all  household bills, including insurance and car payment  with the prepaid money card. Then at the end of the month I print  the online money transaction statement and the monthly bill pay is done.

Paying Bills Without a Bank Checking AccountNo more fees, no more going to bank or ATM to make a deposit or to withdraw cash. We save gas, energy and money by paying our bills without a bank checking account.

Paying Bills Without a Bank Checking Account
General Contributor
Janice is a writer from Chicago, IL. She created the "simple living as told by me" newsletter with more than 12,000 subscribers about Living Better and is a founder of Seekyt.

Latest news

Japanese Owl Meaning and Symbolism

If you're wondering about the Japanese owl meaning and symbolism in Asian cultures, the Owl, along with Maneki Neko...

What Are the Signs of Depression in Women

Gender and depression have long been the scope of research in the field of emotional disorders; most authors believe...

Top 7 Superfoods for Men to Stay Young

Superfoods are generally regarded as targeted foods that provide the maximum nutritional benefit - thus these foods are nutritionally-dense...

Best Brain foods for Kids – Boost Brain Power and Keep Sharp

A child's brain is developing rapidly and if you want them to improve their performance in school and their...

7 of the Best Brain Foods for Studying

The foods that you eat can improve the functioning of your brain. Just like drugs, foods have amino acids,...

B12 Shots for Dogs – 10 Key Benefits

The end of 2010, my little dog -- a 7-pound Papillon -- became very stressed after a flood in...

Must read

Best Ever Champagne Cocktails

In order for you to host a great party,...

Individual Dental Health Programs California – Degree In Dental Hygiene

Individual Dental Health Programs California Individual dental...
- Advertisement -

You might also likeRELATED
Recommended to you