I mailed a payment on the 1st or 2nd of month for payment due 14th of month. They (HSBC) receive the check and they do not deposit it. They wait until the 15th for it to be past due, then they charge a past due and and take the payment as electronic check for the amount i wrote the check. I have gone to an online site which is not listed anywhere to pay. I only knew about this site from customer service.