Apr 9, 2014, 10:37 pm
Last edit by: sechs
Please read the wiki before posting a question.
2/25/2015 - Single payment limit raised to $2999 when using credit or debit cards. Maximum payments per calendar month per individual biller account raised from 1 to 4.
2/18/2015 - Beginning next week, certain debit cards from smaller banks, as well as prepaid debit cards and gift cards will be subject to a 3 percent Bill Pay Fee on each payment.
Evolve now accepts Discover, Visa and Mastercard credit cards with 3% fee.
Debit Cards Not Charged the 3% Fee:
Transaction Limits:
http://www.evolvemoney.com/transaction-limits/
Daily dollar limits include:
Individual bill pay dollar limits include:
Monthly payment limits include:
The limits are based on charge date, not payment date.
There are currently no credit cards that can be paid via Evolve.
Tips for Using Evolve
Mortgages Section
Let us know if payments auto apply to principal or if you have to call
Bank of America: After making 4 payments over the weekend you MUST call (or use online banking messaging) to allocate funds to the regular payment - by default it goes to principal.
Central Mortgage: Appears to go to additional principal payment. YMMV
Chase: Payments with JPMorgan have to fall within a ~5-day window in order for them to be unallocated, otherwise they go to principal. Your window depends on the billing date (usually the 1st of the month). If so, the window is until the 5th, so using Evolve, you have to allow for the payment to post and have it post between ~the 1st and the 5th. PITA
Citi: Made two payments near the end of the month and these were originally "unapplied" and labeled as "additional funds received". A day or two afterwards they moved to principal payments. A quick call to Citi had the payments moved from principal to make up my monthly mortgage payment.
Nationstar Mortgage: Payment applied as an "Additional principal payment" if you sent before the 1st of the month. If you pay after the first, the payment is held until you submit the full payment amount, and then the whole thing is applied to your monthly payment.
PNC: Partial payments will be held aside until payment in full is made. They will send a letter.
Provident Funding: Does not accept partial payments. After month's mortgage is paid, accepts Evolve a additional principal payments.
US Bank: Made 4 payments in June; after a couple of days, payments moved from principal payment to applying to monthly payment w/o a call
Wells Fargo: Two $500 payments day 1, One $500 payment day 2 going over the actual mortgage payment amount due. The payment automatically combined itself to pay the exact amount due once the Third hit. Any amount that was overpaid subsequently went towards principal. Nice to not have to send in the Exact amount, if you don't mind paying some extra principal.
"If you have any problems with gift cards please send us an email at support [at] evolvemoney.com" [Source: AlexAtEvolveMoney]
2/25/2015 - Single payment limit raised to $2999 when using credit or debit cards. Maximum payments per calendar month per individual biller account raised from 1 to 4.
2/18/2015 - Beginning next week, certain debit cards from smaller banks, as well as prepaid debit cards and gift cards will be subject to a 3 percent Bill Pay Fee on each payment.
Evolve now accepts Discover, Visa and Mastercard credit cards with 3% fee.
Debit Cards Not Charged the 3% Fee:
- Insert here
- US Bank (but not prepaid)
Transaction Limits:
http://www.evolvemoney.com/transaction-limits/
Daily dollar limits include:
- $2,999.00 in payments funded by a debit card and/or credit card
- $999.00 in payments funded by a cash load pack
Individual bill pay dollar limits include:
- $2999.00 for a single bill funded by a debit card and/or credit card
- $999.00 for a single bill funded by a cash load pack
Monthly payment limits include:
- 4 payments per month using a credit or debit card within the dollar limits listed above.
- Unlimited number of payments per month using a cash load pack within the dollar limits listed above.
- Maximum of $10,000 total payments per month for credit, debit, and cash load packs combined.
The limits are based on charge date, not payment date.
There are currently no credit cards that can be paid via Evolve.
Tips for Using Evolve
- No need to register your debit card
- If your transaction does not go through, you will have to wait for the authorization to fall off your card
- Using multiple Evolve accounts paying the same biller may lead to your biller being permanently blocked
- If using GCs with the new scheduling feature, it is important to schedule in such a way that it says your card will be charged today (not on a future date) to prevent a decline; and if you want to avoid the Express Pay fee this also means typically scheduling a few days out (click each date to find one without the fee but still charges your card today).
Mortgages Section
Let us know if payments auto apply to principal or if you have to call
Bank of America: After making 4 payments over the weekend you MUST call (or use online banking messaging) to allocate funds to the regular payment - by default it goes to principal.
Central Mortgage: Appears to go to additional principal payment. YMMV
Chase: Payments with JPMorgan have to fall within a ~5-day window in order for them to be unallocated, otherwise they go to principal. Your window depends on the billing date (usually the 1st of the month). If so, the window is until the 5th, so using Evolve, you have to allow for the payment to post and have it post between ~the 1st and the 5th. PITA
Citi: Made two payments near the end of the month and these were originally "unapplied" and labeled as "additional funds received". A day or two afterwards they moved to principal payments. A quick call to Citi had the payments moved from principal to make up my monthly mortgage payment.
Nationstar Mortgage: Payment applied as an "Additional principal payment" if you sent before the 1st of the month. If you pay after the first, the payment is held until you submit the full payment amount, and then the whole thing is applied to your monthly payment.
PNC: Partial payments will be held aside until payment in full is made. They will send a letter.
Provident Funding: Does not accept partial payments. After month's mortgage is paid, accepts Evolve a additional principal payments.
US Bank: Made 4 payments in June; after a couple of days, payments moved from principal payment to applying to monthly payment w/o a call
Wells Fargo: Two $500 payments day 1, One $500 payment day 2 going over the actual mortgage payment amount due. The payment automatically combined itself to pay the exact amount due once the Third hit. Any amount that was overpaid subsequently went towards principal. Nice to not have to send in the Exact amount, if you don't mind paying some extra principal.
"If you have any problems with gift cards please send us an email at support [at] evolvemoney.com" [Source: AlexAtEvolveMoney]
Evolve Money
Feb 28, 2015, 8:30 pm
#2926
Join Date: Sep 2012
Posts: 4,431
I had a stack of those from the past year (some had lost $3 from inactivity), and drained them all at Target.
Mar 1, 2015, 8:28 am
#2927
Join Date: Feb 2005
Location: So Cal
Programs: UA Gold/0.744MM, WN AL, Hyatt Diamond, MR Scum, Hertz PC, National Exec, Avis PC
Posts: 5,563
Mar 1, 2015, 9:44 am
#2928
Join Date: Oct 2014
Location: LAC
Programs: Regal Crown Club
Posts: 488
How exactly would Target auto drain? The pinpad always asks whether I want to charge the entire amount ($500 in my case) to that card. When I hit the change button I'm asked to enter the amount I want charged. I tried it once to charge $250 from a GC and another $250 to my Sallie Mae but it totally confused the cashier. We had to do the whole thing again after I explained that I wanted to split the payment. So IME nothing automatic at all... What was I doing wrong?
Mar 1, 2015, 11:30 am
#2929
Join Date: Jul 2001
Posts: 1,753
For awhile I was paying my approx $2K/mo mortgage via Evolve using $500 VGC's, then the rules changed and I reverted to my old way of paying my mortgage via automatic withdrawals from my checking acct. Although it should have been incredibly obvious to me all along, I only recently caught on to the fact that it's almost as advantageous to pay the mortgage via MO's (especially if you still have a 5% cashback card).
Mar 1, 2015, 11:45 am
#2930
Join Date: Apr 2010
Location: SFO
Programs: OZ *G; HH Diamond;
Posts: 1,647
How exactly would Target auto drain? The pinpad always asks whether I want to charge the entire amount ($500 in my case) to that card. When I hit the change button I'm asked to enter the amount I want charged. I tried it once to charge $250 from a GC and another $250 to my Sallie Mae but it totally confused the cashier. We had to do the whole thing again after I explained that I wanted to split the payment. So IME nothing automatic at all... What was I doing wrong?
Mar 1, 2015, 12:43 pm
#2931
Join Date: Jul 2004
Posts: 377
How exactly would Target auto drain? The pinpad always asks whether I want to charge the entire amount ($500 in my case) to that card. When I hit the change button I'm asked to enter the amount I want charged. I tried it once to charge $250 from a GC and another $250 to my Sallie Mae but it totally confused the cashier. We had to do the whole thing again after I explained that I wanted to split the payment. So IME nothing automatic at all... What was I doing wrong?
Mar 2, 2015, 2:08 pm
#2932
Join Date: Oct 2014
Posts: 108
You can also drain it from Walmart possibly by purchasing anything. I haven't tried for VGC but Amex gift card does work. Walmart pinpad will ask for another payment if my amex gift card is not enough to cover the total so I don't need to worry about split payment.
How exactly would Target auto drain? The pinpad always asks whether I want to charge the entire amount ($500 in my case) to that card. When I hit the change button I'm asked to enter the amount I want charged. I tried it once to charge $250 from a GC and another $250 to my Sallie Mae but it totally confused the cashier. We had to do the whole thing again after I explained that I wanted to split the payment. So IME nothing automatic at all... What was I doing wrong?
Mar 3, 2015, 7:06 am
#2933
Join Date: Apr 2014
Posts: 1,273
So does Wags and most grocery stores.
Mar 3, 2015, 12:22 pm
#2935
Join Date: Jan 2014
Posts: 148
which cc do you use? does it actually show up as "being" 3% card in evolve but then it didn't go through, or is it showing up as fee free from beginning?
Mar 3, 2015, 12:29 pm
#2936
Join Date: Jan 2011
Programs: UA S, Marriott P
Posts: 1,154
When I added the payments no fee was shown.
Mar 3, 2015, 1:19 pm
#2937
Join Date: Feb 2014
Location: Seattle
Programs: SPG Platinum, HHonors Diamond, DL Diamond Medallion
Posts: 244
A couple of 529 plan has been removed. I got an letter from evolve money:
Hello,
The payment on 03/05/2015 cannot be made to Biller New Yorks 529 College Savings Program because: Biller New Yorks 529 College Savings Program is no longer available.
Please login to your account to delete this biller.
If you have any questions, please contact us at [email protected] or 1-866-972-6137.
Thanks,
The Evolve Money Service Team
I login into my account, it looked like Utah 529 plan was removed also. There are still a few 529 plans on the list. Not sure if any other 529 plans are affected. Interest thing: New York 529 College Savings Program Advisor still exists while New York 529 College Savings Program was removed.
Hello,
The payment on 03/05/2015 cannot be made to Biller New Yorks 529 College Savings Program because: Biller New Yorks 529 College Savings Program is no longer available.
Please login to your account to delete this biller.
If you have any questions, please contact us at [email protected] or 1-866-972-6137.
Thanks,
The Evolve Money Service Team
I login into my account, it looked like Utah 529 plan was removed also. There are still a few 529 plans on the list. Not sure if any other 529 plans are affected. Interest thing: New York 529 College Savings Program Advisor still exists while New York 529 College Savings Program was removed.
Mar 3, 2015, 7:32 pm
#2938
Join Date: Oct 2014
Location: LAC
Programs: Regal Crown Club
Posts: 488
Seriously? That was my last hope to have any use for Evolve as our UESP still shows up and I can still prepare a payment until I get to the actual submitting page. My next funding isn't due for another 2 weeks...
Mar 4, 2015, 8:07 am
#2939
Join Date: May 2014
Posts: 62
Be thankful you're not having to figure out how to liquidate thousands of dollars worth of rebate cards.