this is correct; they hold the partial payments as unapplied till the entire amount comes in. ^

So, to be clear, the test payments are applied to my account as additional principal. If I were to send in the full payment over several more transactions, it would get applied to my regular monthly payment and not additional principal payments?

Thanks for the help.

if you have paid current payment - any payment u make will be applied to principal

if you have not paid current payment - partial payments will be held till they add up to monthly payment; once it hits monthly payment, it will be applied to MP then any overage goes to principal.

hope this helps/clarifies

Thanks for the help.

This may be a silly question, but do you know what date is the cutoff for a "current payment" for Wells Fargo? My payment currently gets auto-paid on the 1st of the month. Should I move that back so I can use Evolve, or can I pay the mortgage on say the 25th thru evolve?

check your a/c online, next payment due on - ?
if it is 5/1 - anything you pay now till 4/10 will go to principal, anything after 4/10 - will keep getting held up till it hits min pmnt.

Hmm, that's odd. My next payment is due on 4/1. So shouldn't my test payments have gone to unapplied funds since they were just received on 3/14?

Not if your regular payment has already kicked in last few days, my wf mortgage payments take a couple of days to post.

Mine has worked for two months...does not start with 116...If you run into problems adding the account # just contact their support.

same here, doesnt start with 116, worked without contacting them. ^

Same here - the 116 issue has not been an issue for me.

My only issue is getting the payments to show up as unapplied funds rather than principle. But...have some new tricks to try.

Contacted evolve support about this. They said notes on evolve site are out of date and that this 116 restriction does not apply any more.

Weird thing happened today when I tried to pay a bill on Evolve. I went in to my account, clicked on a "standard" payment I'd made last month to my electric company, and they wanted to add a $1.50 "standard fee" to the amount. I looked at the home page and it said bill pay was still free. So I went back to the bill pay function, entered the electric company as a new payee, and this time no fee came up.

Is Evolve a PITA?

I do not even have an option for standard/express, strange. All payments went ahead without the $1.50 showing up at all.

I'll offer up some Wells Fargo/Evolve info. My mortgage is due on the 1st, late charge hits on the 16th. We had always ACH'd out of our checking on the 7th. I paid via Evolve for the first time in March, over the first weekend (two payments each day). All four payments arrived on Monday the 3rd and were put into unapplied funds even though they added to exactly the payment. They sat in unapplied funds for three days before I called to see what was up (so I could cancel the ACH). The CSR told me that they would put in a "work order" to move them from unapplied funds to payment (that happened about five days later) and that they would also put in a "work order" to have this happen automatically in the future. We will see if that happens or not. I don't believe there is any point in the weekend payments - everything goes into unapplied funds given Evolve's limit (unless you have a sub $1000 mortgage and a debit card with that much $ on it). The one thing I don't quite understand is people's comments about payments going to principal if you make them prior to the due date - but to be safe I am going to continue to make Evolve payments on the 1st and 2nd of every month then hopefully the move from unapplied funds to payment will be automatic.