[BrianR]

I used to do nearly all my bill-paying online since I'm away from home a lot, usually can't mail a letter right away, am out of stamps and just plain scatterbrained. Now my wife has taken over.

But before that, my credit union generally got the bills paid on time. I simply figured out that lag time and then posted the payments a few days ahead to be sure the bills were paid when they should have been.