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Like the others, I LOVE my online banking. I check balances, see what has cleared, do transfers and pay bills all on line. My car note is auto drafted, but since my bank holds the loan I got a break in the interest rate for doing so. I agree about auto drafts in general. This is really applicable to situations where you give a company authorization to auto draft your account (like your gym membership for instance) Once they start, they are loathe to stop. That can be a headache, but paying through your banks auto setup is different because you do have the power to turn it on and off. And my bank is great and has a system that allows you to cancel payments until nearly the 11th hour.
Now, does anyone use an internet based bank (has no real branches) like netbank.com or pcbanker.com? I so have a friend who has accounts with two on line banks because he gets way better interest rates with them and has never had a problem.
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