[NoZebra120vClip]

In these United States, it's rather perilous to use your direct ACH bank account. The protections around this method are so minimal, hope you'll never have a dispute with a creditor.

Which is exactly why ACH is the cheapest/most discounted method.

[camhenlin]

Yep, not worth the additional discount for me. I'm not giving AT&T my bank account information or any authorizations around it

[delfinom]

Which is why I love credit unions. I roll with multiple checking accounts at no cost. It makes giving out ACH details less iffy ;)

[salad-tycoon]

I’m pretty terrible at this stuff but just got into a couple of CU and capital one, I’m branching out.

Help me understand, you have one checking account for one recurrent bill and then manually make sure that checking account has enough balance to cover that one recurring bill every month? That way nobody can drain your main funds, right? But what if there’s a big charge then you would be overdrafted?

I also saw qube recommended here on another thread as a simple way to make and close accounts easily (I think that’s the idea).

Unrelated, I like the extra protection credit cards give and the extra warranty and theft clauses. Hope visa and MC can get their act together.

[7thzero]

Same here. I think of this approach as a form of "financial firewalling"