So you don't use TD Bank.

Many years ago, probably 35, when Westinghouse first offered direct deposit to their engineers, I remember one time the deposits for a half dozen people going to the same bank, were all dumped into the account of the first guy on the list.

Shit happens when computers and people interact. Payments and bounced checks can be straightened out later, but I always try to keep $500 cash on hand, just in case.

good idea.

I am too like you cloud. I like to move my own cash around but I do have auto pay for fixed amounts like the auto insurance and I pay by electronic self bill pay for all others. I hardly ever use a check. It's easier to budget when you pay electronically. I think if you tried it you would like it.

problem is I don't get paid on a set day of the month, so I'm always afraid that there won't be enough in the account on the day that's "automatic."

I pay all my bills electronically now, except for the electric bill, because they charge 2.50 or something to e-pay.

Do you have a savings account connected to your checking account? If so, then you can move 1/6 of your bill from checking to savings each month, just like you were paying the bill. Then move it back and pay the check at the 6 month mark.

At our bank, you can do transfers over the phone.