With Bluebird, you can load 5% gift cards and send yourself a check at the end of the month. It's basically recycled money.

If I do everything I can on Evolve - that's bonus money.

If I paid my mortgage on Bluebird, I can only still "spend" 5,000 If I paid my mortgage with Evolve, I can still cash out the $5000 with bluebird AND cash out some gift cards at the same time.

Datapoint:

My weekend send both at the same time to post on Monday did not work. Day 1 still posted before Day 2, so I am going to have to email Chase again and get them to adjust. We'll go with 3 accounts next month, and hope Chase's tolerance to fix continues. Or do it just before or just after midnight - that caused two days to post at once last month.

Ocwen Mortgage
 

Ocwen handles my mortgage payment, so I called them to ask a few questions. I learned partial payments made during the month may or may not be applied as principle payments. I also learned that if I make a payment after the 1st of the month, but before the auto payment pulls the payment from my checking account, they will credit those payments to the monthly payment due. If I make payments totaling the monthly payment before the auto payment kicks in, the auto payment will not take place for that month.

So I set my payment date for the 11th of the month (payments are not late until after the 15th). I plan to make 2 Evolve payments at the beginning of the month to make my monthly payments. If I forget to make the Evolve payments, the auto payment will take place on the 11th.

payment posted ^

Anyone have experience with partial payments to Citimortgage?

Which BCBS payee did you use. I looked and there are several choices available. I live in GA but my bill is paid to an IL address. I reached out to Evolve with the address and other info and was told BCBS GA is not currently available

BCBS of AZ

Reporting back on my latest experiment with payment to WF. My mortgage is just over $3k. Last month I spread the payment out over 1 week on one EV account. All payments got applied to principal and I had to call in to get it applied properly to monthly payment. This month, I used two EV accounts and made a $1k payment from each account on 3/20 (Thu) and the remaining balance on 3/21 (Fri). For the payments on both days, EV said it would be delivered on 3/24, so I thought I would be golden as far as all the payments arriving the same day and getting properly applied to the monthly payment. Today, I just checked my WF account, and the payment I made on 3/20 posted on 3/21 and the payment I made on 3/21 posted on 3/24. Once again, the payments were applied to principal. Just got off the phone with WF and had them properly apply it to the monthly payment instead. I guess next month, I will try this again but sending from four EV accounts on the same day.

Yay! Evolve has my mortgage and HOA. IF I can find a grocery store that will allow me to buy with CC, it will be golden. I know it's highly YMMV but worth trying with all the Winn-Dixies in my area. If not, using GCs and not constantly just going WM->MO->Bank will save me some time.

Strange, my payment posted like it should have i.e. waited for entire amount and then hit as min payment, payments after min pay went to principal.

edit: mortgage with WF

Was this for your April payment? Trying to figure out if I have to wait until April to make the payment or if I can send it now.

Yes, I was making my April payment that is due by 4/1. Personally, I didn't want to wait until April to make the payment so that I would have a little buffer to make the payment out of my checking acct just in case EV didn't send the payment for some reason.

Wonder if it would make a difference trying to make my 5/1 WF payment now, as long as combined payment is sent on same day... May be worth experimenting after I restock my collection of debit cards

What is BMW FS?

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