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Technology Stocks : CheckFree Holdings Corp. (CKFR), the next Dell, Intel? -- Ignore unavailable to you. Want to Upgrade?

To: Jody Ritchie who wrote (413)	12/2/1998 9:06:00 PM
From: D Mueller	Read Replies (1) \| Respond to of 20297

Jody: None of my billers are on Quicken at the present time so I am not participating in this process yet. Believe me, as soon as my billers adopt bill presentment I will be on board! I use bill pay through Quicken. Quicken uses Checkfree as the bill pay engine. To activate this feature click on the On-Line tab on the Quicken menu. Then click on "On Line Services Set Up/ Payment / Intuit On Line Payment". This will get you to the sign-up page on the web. Good Luck.

To: Jody Ritchie who wrote (413)	12/2/1998 9:37:00 PM
From: axp	Read Replies (1) \| Respond to of 20297

This automatic debit has always been one of my big questions about CheckFree too. But I'm coming around. I started out having my mortgage paid automatically. That was easy to keep track of since it was a fixed amount. Then, because I hate writing checks and doing the envelope/stamp thing I let my electric, gas, and telephone bills get automatically paid. This is easy and free, but it's getting harder and harder to balance my checkbook because I have to lookup all those statements, figure out what day they billed me etc. If I had the option of doing this online with a few clicks I'd take it. I'm really a cheapskate about monthly fees. I use Quicken for everything (for the last 8 years), but I don't pay for any of their extras (paper checks, CheckFree, etc). And I really burn when I have to pay exorbitant fees for paper checks. This is all to make the point that even for someone who hates fees, I'm just about to the point where I'll sign up as long as it's in the same neighborhood as my bill-pay costs now. While automatic payment is the easiest, it forces me to keep a higher balance in my account than I'd like to because I'm not sure when those charges are going to hit. It's not an overdraft problem - I hate the fee when the balance drops under the minimum ($1000). And I'll bet once someone starts doing it electronically you've got em - they'll never go back.

To: Jody Ritchie who wrote (413)	12/3/1998 7:02:00 AM
From: Benny Baga	Read Replies (1) \| Respond to of 20297

Automatic deductions are handled through ACH transactions. The ACH transaction is usually initiated by the biller in this case. CheckFree supplies around 80% of the banks with software to process ACH transactions (PEP+), Although there is no patent, ACH is an open standard. Banks can also outsource ACH transactions to CheckFree (Alliance product), Although CheckFree is having a hard time getting banks to do this. The NationsBank agreement a few months ago is a good indication that CF is changing it's direction, and marketing semi-outsourcing. All in all, ACH is small but important part of CheckFree's business. Benny(IMHO)

To: Jody Ritchie who wrote (413)	12/3/1998 9:53:00 AM
From: BitWizrd	Respond to of 20297

>>I do not use automatic deductions because I want to pay the bill, I don't want it deducted automatically. << ... and even if you did, it's still CheckFree that is the number one provider of that particular service as well. Just thought I'd mention it. Hey Brooks, man, I hope you do feel a LOT better after that last post. Dewd, you sound like you had much to get off your chest! :-). I haven't laughed so hard since Windows 98 crashed on Bill Gates in the middle of the scanner install demo.