well fargo bill pay send date vs deliver date

Should have read everything. An appendix to the conversion guide says that bills payed via quicken are debited on the deliver date. At least that's what is appears to say :-) Confirmation would be appreciated.

Correct. For example, on or about Jan 15, I set up payments for two doctors to be paid Feb 4. They showed up yesterday (Feb 4) as debits on my checking account register in Quicken. However, they don't yet appear on my bank checking account, probably because the doctors' office managers have not yet deposited the checks. This means my bank account will show a higher balance then Quicken for a couple of days.

Wow - they really are screwed up. When they say that their quicken interface and their on line banking interface are not syncronized - the really mean it! Doesn't quicken complain about the online balance mismatching its balance and try to put in a place holder to fix it?

Sounds like they should have dumped the Well's Fargo software and kept the Wachovia.

The problem I'll have with this is that when I'm traveling I'll no longer be able to modify a scheduled payment - something I've done only rarely. But from what you say, my quicken register will always be good enough to about overdrafts.

There are three balances at the bottom of the report:

Online, Current and Ending

The Online balance agrees with the bank balance whereas the Current balance adds in the checks that have been sent to the doctors but have not yet cleared the bank. The ending balance is even lower because I entered an expected debit from my credit card company which I expect to hit in the middle of the month

I received a letter from Wachovia on Tuesday stating they were not switching my online banking to Wells Fargo at this time even though my branch is switching this weekend.

Should be okay but I have overdraft protection backed by a HELOC just in case there is a screw up somewhere along the line.