When it comes to paying your monthly bills—a chore that we all dread—you do have choices. There are three simple options. You can pay in person with cash or a check, use the tried-and-true method of mailing a check or pay your bills online using some form of electronic bill payment and presentment (EBPP). When deciding which option is best for you, it is important to understand the risks associated with each choice and the ways to reduce these risks.
While all financial transactions involve some form of risk, it is generally assumed that paying your bills in person involves the least risk. Yet most people opt out of paying bills this way due to the amount of time and effort it takes to find the payment office and drive across town during business hours. That leaves you with two options—paying either by check or online.
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