Because of the quirks of the US banking system, my personal philosophy is that no one gets to pull money from my accounts. I will push payments for my bills to

Because of the quirks of the US banking system, my personal philosophy is that no one gets to pull money from my accounts. I will push payments for my bills to the various providers. My payments are still done electronically but I have to go into my bank's BillPay service and direct the amounts and payment dates for each bill. It's a bit more work but it also means far fewer surprises or errors to clean up. I already reconcile my accounts on a weekly basis, so it's only an extra minute or two to set up the payments for the coming week.