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One aspect not mentioned is that a handful of banks (i.e. American Bank/PC Banker) give themselves about three to five days' additional float before initiating a bill payment. In other words, your account is debited 3 to 5 days BEFORE the first day payment you can request that payment actually be initiated.

This is inconvenient for individuals who are paying a lot of bills and whose checking-account balances get somewhat low at certain times of the month.
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