Roll the dice.... I supposedly have $25 sitting in an "Advance Payment Account", that they say will automatically pay my January payment. It doesn't show up on line, it came from a CC payment I made when I switched to the $25 plan. I only show a $1.45 balance, but they say my next payment will be paid from this mysterious Advance account... I'm waiting for January to see what happens. Supposedly you can deposit as much as you like and bills are paid automatically... just not sure where the funds go... they don't always show up in your balance. I plan on adding a $25 TU card mid January if all goes well.