Everything's technically OK, just not where I thought I was.
So far, I don't think US Bank has caused me any problems in close to 6 years. This is the 2nd payment that I have managed to miss and something with Qwest got mixed up a while back and I had never did figure out. There were no fees associated with that and I never figured out what the problem actually was. My old apartment complex turned me into a collections agency a while back and US Bank was extremely helpful with proving that they had cashed the check sent via online banking. They mailed me and the agency a copy of the actual check that showed their stamp on the back. I have no complaints so far. I really like being able to choose the day I want a payment to go through, it makes planning easier...oh wait, I already forgot that I'm no good at financial planning.
ME