I use to have automatic bill pay and levellized payment for each bill. I do not have a debit card. I cut it up and use a reloadable card so I can only use that amount that's on the pre-pay card. That way I have to physically come in to a teller to get money. some banks let you set a limit on the amount of money able to be withdrawn in one day. Our limit was $200 because that is our largest bill. I'm thinking about getting a payee.