Can I use a bill payment service instead of ACH?

Yes. However, this incurs a charge of $6 per month.

Why? Use of a bill payment service from your bank results in paper checks being sent by the bank to Mosaic, which must be processed like any check. Because your bank must generate and send a check, bill payment services can take even longer to clear than a personal check. There may also be a delay because such services do not include the payment coupon that Mosaic sends each month for payments by check.

If you use a bill payment service, you should allow at least 10 days for the payment to process.

Remember, if you sign up for payments via recurring ACH, also called direct debit, you'll save $6 each month. Over 20 years, that's a savings of more than $1,400!

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