<p>That’s silly. ACH payments don’t cost anything as far as I know. That was going to be my response to twoinanddone, that we don’t send checks and pay in full electronically once a semester, but all 3 of my kids’ colleges would have charged a 3% fee to use a credit card. So unless my Chase Freedom comes up with a 5% on college payments, I will not be charging them! </p>