For example, maybe your landlord doesn't accept online payments. There might be situations where you can't pay bills online or with cash. Opening a second chance bank account can give you more options for how to pay bills and potentially save you money on bill payment fees. Second chance banking is designed for people who may have had issues with banking in the past but are ready for a fresh start. If you don't have a bank account because of a negative ChexSystems report, you might consider opening a second chance account. This option may work best for small bills, like utility or cell phone bills. Cash can be an acceptable way to pay bills if your billers accept it. You can use a prepaid debit card to pay bills with Moneygram online or at agent locations, though fees apply. Moneygram is a payment transfer service similar to Western Union. You can also use Western Union to pay bills online or in-person at Western Union locations using a prepaid debit card or credit card for a fee. Western Union allows you to send money to more than 500,000 locations in the U.S. When using prepaid debit cards to pay bills, it's important to understand the fees you might pay. Prepaid debit cards allow you to load cash that you can then use to make purchases or pay bills. ![]() If you don't have a bank account, but you still need to pay bills, here are some of the options you might have: How to Pay Bills When You Don't Have a Bank AccountĪ bank account can make managing money easier, but 5% of Americans don't have one, according to the Federal Reserve. ![]() But you might be able to pay your electric bill through the utility company's website using your debit card or credit card. You'll need to have your bank account number and routing number to make the payment. The biller typically determines the payment method you can use.įor example, your credit card company might allow you to log in and schedule a payment using your bank account. If you're not using your bank's bill pay service, you can still pay bills online by visiting the biller's website. You can check with your bank to see if it guarantees online bill payments. If they don't and you're charged a late fee, Wells Fargo will reimburse you for the expense. Wells Fargo, for example, guarantees online bill payments will get there on time. And if your bank offers a payment guarantee, you don't have to worry about late payments. Paying bills through your bank can save time and money.
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