Banks hurt to use. My bank lets me have Bill Pay active on my account for free. But, if I don’t use it at least once during the month they charge me a $4.95 fee for having it. So, I scheduled a recurring payment to myself for $4.95. Now, every month they send a check from me to themselves that they deposit to my account and email me a receipt for. Somehow, that’s better. They’re eating themselves.