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
Mar 13, 2014, 11:41 am
#541
Join Date: Jun 2005
Location: DFW/DAL
Programs: AA 1MM Gold, Marriott Gold, Hilton Diamond, Hyatt Discoverist
Posts: 1,524
Mar 13, 2014, 1:29 pm
#544
Join Date: Aug 2013
Location: Raleigh, NC
Posts: 203
Have a great day.
Mar 13, 2014, 1:31 pm
#545
Join Date: May 2008
Programs: AA PLT 2MM
Posts: 2,026
Mar 13, 2014, 2:02 pm
#546
Join Date: Nov 2011
Posts: 301
Or just overpay it with $500..
Well I mentioned it because I was curious whether other people pay smaller bills ($20-$40). I used the word hassle, because contacting the water company and garbage company, taking the payments off auto pay, then having to watch for the bill to know how much I need to pay seems like a negligible return on my time. The bill that is almost $500 is easy. 1 GC and I'm done.
Have a great day.
Have a great day.
Mar 13, 2014, 2:13 pm
#547
Join Date: May 2006
Location: Melbourne, Florida, USA
Posts: 2,983
Mar 13, 2014, 2:20 pm
#548
Join Date: Jun 2005
Location: DFW/DAL
Programs: AA 1MM Gold, Marriott Gold, Hilton Diamond, Hyatt Discoverist
Posts: 1,524
I believe so. So just don't do >= your payment amount and everything will be principal only. I applied some $950 ReloadIts and had to call to have them correct them. Part was going to payment and the remainder to principal on each. All of the giftcards I have paid with so far in one day have been less total than my payment amount and that has kept them from being summed together and turned into a payment.
Mar 14, 2014, 1:27 pm
#549
Join Date: Nov 2011
Posts: 301
Mar 14, 2014, 1:56 pm
#550
Join Date: Mar 2012
Programs: Hilton, Hyatt, Priority, SPG - AA, Hawaiian Airline, United, US Airline
Posts: 608
After reading this topic, I love EVOLVE so much 
. I wish I have a house 
. I am using EVOLVE to pay my utility bill, my student loan, and my auto loan. LOVE EVOLVE You are changing the world^. You are much much better than Chargemart. You are the best of the best
. I wish I have a house . I am using EVOLVE to pay my utility bill, my student loan, and my auto loan. LOVE EVOLVE You are changing the world^. You are much much better than Chargemart. You are the best of the best
Last edited by happy9zz; Mar 14, 2014 at 2:15 pm
Mar 14, 2014, 5:38 pm
#551
Join Date: Nov 2011
Posts: 301
Mar 14, 2014, 7:49 pm
#552
Join Date: Sep 2013
Location: Warm, sunny Florida
Posts: 251
My utility bill was half the norm this month. I was thrilled until I realized it's due to the small rebate VISAs I was sending through EVOLVE last month, hah
Mar 15, 2014, 1:30 am
#553
Join Date: Jul 2010
Location: Midwest
Programs: AA LT Gold 1MM ,Hyatt Explorist,Marriott Platinum,HHonors Diamond
Posts: 364
+2.... about $2k of payments going through Evolve...fee free.^
Mar 17, 2014, 9:17 am
#554
Join Date: Dec 2010
Posts: 65
Hoping that some Evolve/Wells Fargo experts can help me out. I have a mortgage payment >$1000 and have been doing some small tests to figure out how to get all of the money from several different transactions combined into one payment.
Test #1:
On a Saturday, I sent $1 and $2 payments hoping they would be combined into a single $3 payment. On the next Sunday, I sent a $3 payment hoping that would also get combined with the others making a single $6 payment. None of this worked. Each payment was posted separately as $1, $2, and $3 respectively.
Test #2:
Hoping that the key was to have the payments arrive on a weekend, I tried the same experiment as above, except moving the dates to Thursday and Friday (so the payments were all scheduled to arrive on the following Monday). None of that worked either, as all of the payments posted separately.
Now I am obviously not worried about the $12, but I am confused as to what I am doing wrong. I don't want to make a >$1000 mistake. Is it just an issue that the payments do not make up the full amount or am I missing a key ingredient to success here?
Thanks in advance for any advice you guys can offer!
Test #1:
On a Saturday, I sent $1 and $2 payments hoping they would be combined into a single $3 payment. On the next Sunday, I sent a $3 payment hoping that would also get combined with the others making a single $6 payment. None of this worked. Each payment was posted separately as $1, $2, and $3 respectively.
Test #2:
Hoping that the key was to have the payments arrive on a weekend, I tried the same experiment as above, except moving the dates to Thursday and Friday (so the payments were all scheduled to arrive on the following Monday). None of that worked either, as all of the payments posted separately.
Now I am obviously not worried about the $12, but I am confused as to what I am doing wrong. I don't want to make a >$1000 mistake. Is it just an issue that the payments do not make up the full amount or am I missing a key ingredient to success here?
Thanks in advance for any advice you guys can offer!
Mar 17, 2014, 9:45 am
#555
Join Date: Jun 2013
Location: ORD
Posts: 220
Hoping that some Evolve/Wells Fargo experts can help me out. I have a mortgage payment >$1000 and have been doing some small tests to figure out how to get all of the money from several different transactions combined into one payment.
Test #1:
On a Saturday, I sent $1 and $2 payments hoping they would be combined into a single $3 payment. On the next Sunday, I sent a $3 payment hoping that would also get combined with the others making a single $6 payment. None of this worked. Each payment was posted separately as $1, $2, and $3 respectively.
Test #2:
Hoping that the key was to have the payments arrive on a weekend, I tried the same experiment as above, except moving the dates to Thursday and Friday (so the payments were all scheduled to arrive on the following Monday). None of that worked either, as all of the payments posted separately.
Now I am obviously not worried about the $12, but I am confused as to what I am doing wrong. I don't want to make a >$1000 mistake. Is it just an issue that the payments do not make up the full amount or am I missing a key ingredient to success here?
Thanks in advance for any advice you guys can offer!
Test #1:
On a Saturday, I sent $1 and $2 payments hoping they would be combined into a single $3 payment. On the next Sunday, I sent a $3 payment hoping that would also get combined with the others making a single $6 payment. None of this worked. Each payment was posted separately as $1, $2, and $3 respectively.
Test #2:
Hoping that the key was to have the payments arrive on a weekend, I tried the same experiment as above, except moving the dates to Thursday and Friday (so the payments were all scheduled to arrive on the following Monday). None of that worked either, as all of the payments posted separately.
Now I am obviously not worried about the $12, but I am confused as to what I am doing wrong. I don't want to make a >$1000 mistake. Is it just an issue that the payments do not make up the full amount or am I missing a key ingredient to success here?
Thanks in advance for any advice you guys can offer!