Especially when after going to WM you still have to go to the bank.

Not necessarily.

Still have to do something ;)

Your bank(s) may not like you to deposit too many instruments via the mobil app. Actually your bank(s) may not like seeing too many such instruments being deposited. Unless BB is sufficient for you.

Right. At least one extra step needed if not just to BB.

Not if you do billpay at the WM MC.

Until your bank / card issuer shuts you down after a period of BillPay. Happened to a few whom I communicate with as recently as this month and after enough time has lapsed from their action of previous bill pays. In other words when you are thinking this works well, suddenly out of the blue, you are shut down for doing something 2 months prior that you no longer do. Of all recent shut downs that I have heard about, the common theme is Bill Pay. The shut down comes from different banks too. Basic analysis says, one should stay away from Bill Pay if one does not want a nasty surprise down the road. Now the beans are spilled. You can make your own speculation / conclusion. Subject closed.

Can you link to some discussion of this? I'd be interested to read about it. I've been hitting the WM BP quite hard in the past couple weeks.

Aren't there only a couple REAL processors of BillPay in the entire US? Not that I'm doubting you, but it seems odd that you would be flagged for that, yet not for billpay from your bank (who just might use the same processor).

That's what I'm wondering. My personal bank uses CheckFree just like WM BP uses. Maybe it is how us GC users are making tons of $2k payments?

No idea because I dont use Bill Pay at WM or anywhere. I pass the info as I am told only because so many of you are doing Bill Pay and seemingly think this is the greatest - just as my acquaintances until they were nailed.

One more tidbit, a person's payee said the CheckFreePay showed the payment was Cash. The Payee allegedly questioned about this after frequent payments in such format. The payee told said person to stop using the same mechanism to pay in the future.

I can only guess that if you do Bill Pay from a real bank, the payment bears your bank's ID when it is sent over to the Payee. When you do Bill Pay from places like WM or Kmart, there is no such ID and the receiving end saw it as Cash. Who would think a payment made with cash is not necessarily a welcome sign? But in today's world of Bank Secrecy Act, untraceable funds are big No No.

Draw you own conclusion however you prefer. Me, I am just glad that due to laziness I never do Bill Pay at places like WM because I dont want to follow up if the payment actually arrives the payee since I have utter doubt of the competence of the WM employees and always are prepared for the worst.

My Amex payments always show up as a Check payment. Also, the software on the POS at Walmart has some smarts. The cashier is required to enter the card# twice, and I wouldn't be surprised if it at the least did a checksum to make sure the card# entered is a valid card. It takes a lot of bad luck to both enter the wrong # and have that # be a valid card #.

But anyways, I keep all my receipts and can call CheckFree if necessary. To each their own, though. Also, I have literally never paid Amex, since I first opened my Blue Cash account five years ago, with anything other than CheckFree. that being said, I've only recently begun making tons of $2k payments using WM BP.

Tried the CA on a temporary card today. The teller was willing to give it a shot, but the card was declined when she attempted to do $500.

Was it an unregistered card?

A few months ago I was able to CA a temp card that was registered and had A Lot More than $500 in it. It went right thru no hiccup.

Yes, it was unregistered, as I saw it that was the whole point of CAing the temp cards, to circumvent the new/newly enforced debit limits while avoiding being shut down for doing too many CAs. Otherwise the only benefit to the temp cards is you don't have to wait for the permanent one to come in the mail. I had just purchased the card earlier in the afternoon at CVS, and then went to the CU, with a few stops in between at WM to buy some MO with GC and at the $1 ATM to get my free October withdrawals in on my AEFT cards. I guess I'll have to stick with GCs for exceeding the limits on my collection of prepaid cards, and maybe throw in the occasional CA on a permanent, registered card.

I checked my payments to AMEX from BP at WM and they are labeled as "electronic payment". Moreover, payments from BB and other prepaid cards to AMEX also marked as "electronic payment". Do you think that maybe other payees can see payments differently?