No debit card here either. In fact, only one credit card (mastercard) and the issuing institution isn't my bank anyway.
My issue with KCC is their lead time between a statement date and the the due date. KCC has a habit of mailing a statement (I pay quarterly, not monthly) and the due date. States the statement was sent at least 20 days prior but I get it 5 days before the due date and it ain't coming that far either.
I'll probably just pay it off anyway. I's a zero interest loan so no offset far as interest is concerned and it's under 10K, which in reality is chump change for me.
I find their 'bedside manner' to be less than stellar. Nothing more. I don't have that issue with Ag Direct, they always allow ample time between the statement and the due date, usually at least 15 days. I do not and never will use electronic means to pay any loan. I'm very old school about that stuff.