自动付款的利弊

你应否登记自动转帐? Here's some food for thought before deciding, and ways to help make automatic payments work with your budget strategy.

汽车matic payments allow a merchant to make recurring drafts. 如果你想结婚的话自动转帐 with 状态 Farm® or other online accounts, 在这里 are some things to consider.

自动转帐有什么好处?

方便 ― Setting up automatic payments can help make bill paying easier. Instead of manually paying the bill yourself, you are giving a company permission to automatically deduct the amount due from your bank account or credit card.
安全 ― If you still receive paper bills, they may contain personal and sensitive information. If someone stole a bill from your mailbox or trash, you could be at higher risk for 身份欺诈. Using 自动转帐 might help eliminate this potential risk if you decide to go 无纸化.
没有滞纳金 ― Your bills automatically get paid on time, so 自动转帐 can help you avoid late fee charges that could potentially hurt your 信用评分.
节省金钱 ― Many companies offer a small discount for going 无纸化. You can also save money on postage and checks if you currently pay by mail.

容易忘记 ― If you have all your bills on 自动转帐, you might forget how much money is going out each month.
意想不到的费用 ― If you don't review your bills carefully, you may miss extra charges or increases.
透支费 ― 汽车matic payments will deduct from your checking account whether t在这里's money t在这里 or not. This could mean a risk of overdraft fees from your bank.
固定的付款 ― With 自动转帐, you’re generally making the minimum payment or a set amount. 让你的平衡更快下降, you might need to adjust the 自动转帐 amount or make additional payments. 这会使清理你的预算偿还债务也更加困难.
信用卡/借记卡过期或丢失 ― When your card expires or is lost or stolen, you’ll need to remember to update your accounts with your new credit card information.

A few simple steps can help you be smart about 自动转帐.

设置提醒 ― Email or text reminders can make you aware when bills are due, and help remind you to check your account balance.
考虑使用信用卡 -这可以帮助避免透支费, but you might use this method if you're confident you can pay your card off each month. Look into whether t在这里 will be extra charges for using credit over debit.
每个月回顾一下你的账单 ― Know how much money is coming out of your budget each month, and try to keep on top of any extra charges or increases.

If you'd like to set up 自动转帐 with your 状态 Farm account, visit your 我的帐户门户.