So much for electronic bill paying

tvguy

Question anything the facts don't support.
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Just tried to pay my Property Taxes Online. By credit card....$26 service charge. By e-check, $2.50 service charge. By check via U.S. Postal Service, NO service charge, just a 47 cent stamp. The check is in the mail.
 
Just tried to pay my Property Taxes Online. By credit card....$26 service charge. By e-check, $2.50 service charge. By check via U.S. Postal Service, NO service charge, just a 47 cent stamp. The check is in the mail.
I pay all my bills from my bank online account. Costs me nothing. If an electronic payment is not accepted by the vendor, the bank sends a paper check and pays the postage. I have been doing that for many years. Does your bank not offer that service?
Denise
 
I pay all my bills from my bank online account. Costs me nothing. If an electronic payment is not accepted by the vendor, the bank sends a paper check and pays the postage. I have been doing that for many years. Does your bank not offer that service?
Denise
My bank does offer the bill pay service for free.. The tax office accepts electronic payments. The just charge to accept them. Writing check and putting a stamp on it is no big deal.
 
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I pay all my bills from my bank online account. Costs me nothing. If an electronic payment is not accepted by the vendor, the bank sends a paper check and pays the postage. I have been doing that for many years. Does your bank not offer that service?
Denise


I was going to post/ask the same question. Who is charging $2.50? Your bank?

My bank does exactly what Denise W's bank does.
 

They do. They accept electronic payments, they just charge.
No, the bank that has your checking account. You should be able to pay all of your bills on your bank's website for no charge. What bank has your checking account?
Denise
 
No, the bank that has your checking account. You should be able to pay all of your bills on your bank's website for no charge. What bank has your checking account?
Denise

This.

Also, it's usually hard to pay for large non-retail purchases with a credit card (for example rent or mortgages) without a hefty service charge--they're passing the CC transaction fee along to the consumer.
 
No, the bank that has your checking account. You should be able to pay all of your bills on your bank's website for no charge. What bank has your checking account?
Denise
They do. I edited to clarify.
 
This.

Also, it's usually hard to pay for large non-retail purchases with a credit card (for example rent or mortgages) without a hefty service charge--they're passing the CC transaction fee along to the consumer.

That is kind of hit and miss though. I can pay our long term care insurance with a credit card with no fee.....and it's twice what my property tax bill is, but not the property taxes.
 
That is kind of hit and miss though. I can pay our long term care insurance with a credit card with no fee.....and it's twice what my property tax bill is, but not the property taxes.
We ran into this when we paid ours. Such a pain in the butt. We just did the e-check and paid the fee. I think to do credit card in my county is something like 4% of your property tax bill. Just insane.
 
That is kind of hit and miss though. I can pay our long term care insurance with a credit card with no fee.....and it's twice what my property tax bill is, but not the property taxes.
Credit and debit card processors charge a fee. Generally speaking, a taxing authority is not allowed by law to "eat" that fee. They pass it on to you.
 
Caution for those paying by mail. Your receipt may indicate a date in 2017 which will not allow you to write it off on your Schedule A on your Federal taxes if you don't mail it in early. If you live in the country, your township clerk only a work very part time and during the holidays, hardly at all.
 
Caution for those paying by mail. Your receipt may indicate a date in 2017 which will not allow you to write it off on your Schedule A on your Federal taxes if you don't mail it in early. If you live in the country, your township clerk only a work very part time and during the holidays, hardly at all.
The due date is December 10, so it shouldn't be a problem. And they cash the checks immediately, and the date that check is cashed will prove to anyone questioning it when it was paid.
 
We ran into this when we paid ours. Such a pain in the butt. We just did the e-check and paid the fee. I think to do credit card in my county is something like 4% of your property tax bill. Just insane.
Same her, $120 fee to pay with a credit card or online. I mail it or drop it off.
 
Come to think of it, I believe my local DMV still only takes cash, or did the last time I renewed my license.

Hooray for 2016 I guess. Sigh.
 
Our town does not accept credit card at all for property tax. We still have a few bills like our electric company that charge a fee to do online. Until they do away with the fee, we will plop a stamp on the envelope and drop it in the mailbox.
 
My town allowed credit cards without a fee until a few years ago. Now a direct debit is free, a credit/debit card payment has a 2.65% fee, and an electronic check a $1.05 fee.
 
Too bad there is a service charge. I had looked into paying my real estate taxes too on my cc a few years ago :(. Years ago, I used to pay college tuition with my cc without any charges - then they started to charge a service charge so I stopped doing this. Also...........A few years ago, I wanted to charge my car payment each month but no one seemed to know if I would have been charged a service charge. I should have just charged then one month payment to see. I am not sure if I have the option now/again. I should look into it. I am all for getting any rewards I can.
 
Caution for those paying by mail. Your receipt may indicate a date in 2017 which will not allow you to write it off on your Schedule A on your Federal taxes if you don't mail it in early. If you live in the country, your township clerk only a work very part time and during the holidays, hardly at all.
Most personal tax returns are cash-basis, which means you claim income as you receive it and expenses as you pay them. So, the date on the check is all that matters.
 














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