i don't understand the logic of doing it like this. once they shut you down, they are NOT like the @h..... at accountnow. you can still sign in and get your money or go get money orders/whatever- you just can't add $. so, sure.... hit it hard, but the immediate bill pay, i would imagine, got you shut quicker than if you had taken 7-10 days to load 10-20k or whatever until you were shut down.

i think you're leaving $ on the table going this route. i was able to billpay 15k out a full 5 days after i was shut down. if not, i would have been on a money order buying spree vs waiting for a check that size.