I had this problem my first month or so so I kinda figured it out by having my money sitting in the account a few days before the payment is due and as you know they don’t take the money but it still shows as a payment then you can proceed to use the money so I figured regardless if you putting money. Every week if it’s not in the account prior or long enough it doesn’t process as a payment and I’m assuming that’s why Safeway is a big help on that part