We have BofA...I do ALL my banking with them. I tell it to pay the utilities so much a month and they're paid and sent. I don't buy stamps very often and I hardly ever write a check. In fact, I've been down to my last 25 checks for 2 yrs now. I, too, have gotten caught behind someone who waits till the last minute. Just last week I was in line at the grocery store and the little lady yakked away at the cashier. When it was totaled she opened her purse and started rummaging to LOOK for her checkbook!!! ARRRRGH!!! I grabbed a magazine and started reading....it calmed me down.