And, btw, can't you pay your electricity online?
Yes and no. I refuse to use such services and here's why. When you sign up for autobilling from your bank account, you give them access to charge your account directly. But should you want to end that, banks aren't so quick to terminate this permission. For one they want to make sure they don't get stuck with hunting you down for autopay and then terminating the account. So it's not going to be as easy as signing up. For many of them if you can't quote and refer to the actual law that says you can terminate this permission, they are reluctant to do so.
For another, things go wrong with billing. When they do, you can be overcharged and then not even know it for a month till you get your statement. When you do find out, it's a hassle to get your money back. The first thing they will want to do is not put the money back but rather to say, 'You've got credit with us' and charge that against future payments instead.
When I first got out on my own, I had a mistake with my electric billing, in my very first small apartment. I had like 3 light bulbs, a refrigerator, a radio, a hot water heater, and a very small guitar amp. My bill for the month was $1000. There is no way I could have used that much power. The biller made a mistake with everyone on the street and they were charged business's power usage. It took getting off from work and traveling to the power company, only to find out all my neighbors were in line for the same thing. Took 1/2 a day to get it straight and the loss of a day's pay by not being at work. That was decades ago and the same power bill today would have been multiples of that. Could your bank account stand that and then not get the money back after it was taken out?
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