Skip to content

MONTHLY_PAYMENTS.md

Latest commit

 

History

History
328 lines (222 loc) · 6.8 KB

MONTHLY_PAYMENTS.md

File metadata and controls

328 lines (222 loc) · 6.8 KB

💳 Billing, Credit Cards & Autopay Control Panel

Last updated: 2025-12-22

This document is the authoritative source of truth for all recurring bills, credit cards, and autopay configurations.
Primary goals: zero missed payments, minimal manual intervention, clear audit trail.

🏦 Primary Pay-From Hub

Institution: Fidelity Investments, partnering with UMB Bank
Account Type: Checking
Routing: …5681
Account Reference: …1515

Used for:

  • Payroll direct deposit
  • Credit card autopay
  • Utilities and services
  • Rent (pending verification)

🔍 Quick Status & Next Actions

Credit Cards

Account Autopay Pay From (Last 4) Bank Draft Date Status Next Action
Barclays View ✅ 1515 Fidelity 8 days before due ⚠️ Alert Call support
Exxon Mobil (Citi) ⚠️ 1515 Fidelity TBD ⚠️ Pending Finish verification
NASA FCU Visa ⚠️ 1515 Fidelity TBD ⚠️ Pending Finish verification
Amex Platinum ✅ 1515 Fidelity 15 days post-close ✅ OK None
CapitalOne Quicksilver One 6062 ✅ 1515 Fidelity 14th ✅ OK None
CapitalOne Quicksilver ✅ 1515 Fidelity 8th ✅ OK None
PNC Visa Card ✅ 1515 Fidelity 2nd ✅ OK None
Discover ✅ 1515 Fidelity 10th ✅ OK None
Synchrony Amazon Store ✅ 1515 Fidelity 28th ✅ OK None
Apple Card ✅ 1515 Fidelity 23rd ✅ OK None

Monthly Bills

Account Autopay Pay From (Last 4) Bank Draft Date Status Next Action
Jasper Rent (Bilt) ⚠️ 1515 Fidelity TBD ⚠️ Pending Finish verification
Verizon Fios ✅ 1515 Fidelity 8th ✅ OK None
Dominion Energy ✅ 1515 Fidelity Due date ✅ OK Monitor first bill
Xfinity Mobile ✅ Amex 6008 American Express 1st ✅ OK None
State Farm (Auto + Renters) ✅ Amex 6008 American Express 1st ✅ OK None

🧭 Action Queue

  • Jasper Rent — finish micro-deposit verification, enable autopay
  • Exxon Mobil — finish verification, confirm autopay behavior
  • PNC — confirm Fidelity CMA trial deposits
  • Capital One QuicksilverOne — verify autopay is active and linked to Fidelity
  • Barclays — resolve security alert, restore full access

📘 Account Details

Fidelity Investments (Pay-From Hub)

Bank Name to Provide Billers: Fidelity Investments partnering with UMB Bank
Account Type: Checking

Notes:

  • Not a bank, UMB handles processing
  • Direct debit not supported for retirement or advisory accounts

Xfinity Mobile

Site: https://xfinity.com
Account #: 1009600798
Phone: (831) 332-2529
Email: tracycsmith@gmail.com

Billing

  • Monthly: $64.16
  • Cycle: 13th–12th

Payment

  • Autopay: Yes
  • Pay with: Amex …6008
  • Draft: 1st (posts 2nd–3rd)

Status: ✅ Stable

State Farm Insurance

Payment Plan: 1099-0002-07

Policies:

  • 2021 Acura RDX Sport WG (Auto)
  • Renters, 1028 S Walter Reed Dr Apt 731

Payment

  • Autopay: Yes
  • Pay with: Amex …6008
  • Due: 1st of month

Amount Breakdown (Reconciled)

  • Auto insurance: $101.88
  • Service fees + renters portion included
  • Total plan amount displayed elsewhere: $120.25

Status: ✅ Reconciled, no action

PNC Visa

Status: ✅ Reconciled, no action

Payment Info

  • Autopay: Active: 2nd of month
  • Pay from: Fidelity 1515

Account Summary

  • Account Number: x4251
  • Credit Limit $20,000.00
  • Purchase APR 17.74%

Rewards

  • Rewards Balance: 200 points

Cash Advance

  • Cash Advance Balance $0.00
  • Available for Cash Advance $5,000.00
  • Cash Advance APR 25.74%

Payment Information

  • Next Statement Date 01/07/2026
  • Last Statement Balance $0.00
  • Last Statement Date 08/07/2024
  • Last Payment Amount $42.46
  • Last Payment Date 07/12/2024

Jasper (Rent & Maintenance)

Maintenance Portal: https://portal.risebuildings.com
Payments: https://biltrewards.com

Property: 1028 S Walter Reed Dr, Arlington, VA
Lease: Apr 10, 2025 – Mar 9, 2026
Monthly Rent: $2,767

Payment

  • Autopay: Off
  • Reason: Awaiting account verification

Status: ⚠️ Pending verification

Exxon Mobil (Citi Retail Services)

Site: https://citiretailservices.citibankonline.com
Account: …3199

Payment

  • Direct bank draft
  • Linked to Fidelity CMA …1515
  • Verification started: 2025-12-21

Status: ⚠️ Pending

Discover

Autopay

  • Amount: Statement balance
  • Pay from: Fidelity CMA …1515
  • Draft: 10th of every month
  • Next: Jan 10, 2026

Status: ✅ OK

Capital One — Quicksilver (…6767)

Autopay

  • Amount: Statement balance
  • Pay from: Fidelity CMA …1515
  • Draft: 8th monthly
  • First payment: Jan 8, 2026

Status: ✅ OK

Capital One — QuicksilverOne (…6062)

  • Annual fee: $39
  • Balance: $0
  • Due date: 14th

Autopay

  • Setup flow completed
  • Pay-from needs verification

Status: ⚠️ Verify autopay activation

Barclays View Mastercard (…1097)

Site: https://cards.barclaycardus.com

Autopay

  • Statement balance
  • Pay from: Fidelity CMA …1515
  • Draft: 8 days before due
  • Effective: Jan 24, 2026

Alert

  • Security hold active
  • Customer Service: 1-866-603-7217

Status: ⚠️ Resolve alert

American Express Platinum (…6008)

Autopay

  • Amount: Statement balance
  • Pay from: Fidelity CMA …1515
  • Draft: 15 days after statement close
  • First: Dec 30, 2025

Status: ✅ OK

Verizon Fios 2 Gig

Account #: 558-045-250-0001

Payment

  • Pay from: Fidelity CMA …1515
  • Draft: 8th monthly
  • Monthly: $124.99
  • Includes Apple One Individual

Status: ✅ OK

Dominion Energy

Account #: 004400383990

Autopay

  • Pay from: Fidelity CMA …1515
  • Draft: On due date
  • Enrollment date: Dec 22, 2025
  • Confirmation: 122448810

Status: ✅ Monitor first autopay bill

Synchrony — Amazon Store Card

Autopay

  • Amount: Statement balance
  • Pay from: Fidelity CMA …1515
  • Draft: 28th monthly
  • Next: Dec 28, 2025

Status: ✅ OK

Apple Card

Autopay

  • Enabled
  • Pay from: Fidelity CMA …1515
  • Draft: 23rd of month
  • Old pay-from accounts removed

Status: ✅ OK

NASA FCU

  • Visa credit limit: $21,000
  • Current balance: $0
  • Savings: minimal balance

Status: ✅ No action

Other Accounts (Tracked, No Autopay)

  • Optum Bank HSA
  • Betterment (checking and savings closing)
  • 401(k) via ADP
  • Venmo
  • Ally Invest (Acct 39099195)

Review Policy

  • Review quarterly
  • Review after any bank or card change
  • No account without autopay unless intentionally documented