Automatic Payment (AP)
A recurring payment you set up and control — same amount, same schedule, initiated by you, not the biller.
An automatic payment sends a fixed amount from your account on a schedule you choose — rent every Wednesday, $50 to savings every payday. Unlike a direct debit, only you can change or cancel it.
APs are the plumbing of pay-yourself-first saving: money moves the moment pay lands, before it can be absorbed into the week.
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