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Paying Rent Online with Bill Pay, ACH or Debit Card

If you don't want to pay rent with a check you can pay your landlord with a credit or a debit card. You can do this even if your landlord only accepts checks.

Paying rent online is becoming more and more common, although nearly half of landlords still prefer paper checks or money orders. If you're still paying with a check then there are a few ways for you to make the switch to 2018 even if you're landlord is stuck in 2000:

Turn an online payment into a check
Online tools for your landlord
Use money transferring apps like Paypal or Venmo

Turn an online payment into a check

Assuming you rent from someone who still wants a paper check, you can still pay online. Use a service, like the one Flip offers to pay rent with a credit or debit card and have a check sent to your landlord or with the "bill pay" tool in your online banking if your bank has this tool (see below for a list of banks that have bill pay as an option). With bill pay, the money will be debited from your account and can be sent electronically or via a paper check, so your landlord doesn't need to be setup for it.

Banks with bill pay:

  • Ally Bank
  • Bank of America
  • BB&T Bank
  • BBVA Compass Bank
  • BMO Harris Bank
  • Capital One
  • Chase Bank
  • Citibank
  • Citizens Bank
  • Fifth Third Bank
  • KeyBank
  • M&T Bank
  • PNC Bank
  • Regions Bank
  • Santander Bank
  • SunTrust Bank
  • TD Bank
  • Union Bank
  • U.S. Bank
  • Wells Fargo

Online tools for your landlord

Debit card and ACH payments are easy ways to authorize your landlord to take the rent out of your bank account once a month. The difference between the two comes down mostly to speed. You can only do this if your landlord is setup for it. This means that they have to be using software like ClickPay, Realpage, Yardi or other software products with offerings for landlords.

ACH is a way to move money between banks without using paper checks, wire transfers, credit card networks, or cash. There are no processing fees for either side. However, it requires extra verification steps which mean that it takes longer for an ACH payment to arrive than a debit or credit card payment. Before sending an ACH payment you'll need to first verify that your bank is actually your account via small deposits into your account. After this, it will take a few days for the ACH network to verify that you have sufficient funds, so if you go with ACH, make sure to setup your payment for ten days ahead of the first of the month in order to avoid a late rent fee.

A debit card payment works just like ACH in that it deducts money from your checking account, with one big difference: verification that you have the funds and that the bank account is actually your bank account happens immediately. This means that the money is authorized, verified and transferred in real time and so it will show up in your landlord's account within two days. This can save everyone a big headache.

Peer to peer apps

Read up on the pros and cons of using Venmo, PayPal or Square Cash for rent payments - cause there are a lot.

Next steps

You can use credit, ACH or debit cards to pay rent if your landlord is open to it. If your landlord only accepts checks, you can use Flip to pay with debit or credit card and we'll send them a check.

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