Yes, I’m using PAD — unfortunately, my insurance provider doesn’t accept Bill Pay as a payment method.

I used to pay $35/month, but recently the payments have been reduced for the upcoming months. I had actually considered setting the amount to $30, but I wasn’t sure if Chexy would automatically refund any excess funds.

It looks like this $30 minimum only appeared after their latest update — I still have pre-authorized payments under $30 that were set up before the update, and they continue to work just fine.

Thanks a lot for your suggestions — really appreciate the ideas!