New landlord looking for a phone in solution for rent payments.

[Michael Rockefeller]

Ok so after a few months of collecting cash payments i've grown weary of chasing down the tenants of my duplex for their monthly payments. To that end i've recently opened a bank account that i was going to use to have them deposit payments. Then it occurred to me one glaring problem.

If i wanted to start using late fees and have it enforced automatically i couldn't do that thru the bank itself...ie have the bank say, "Oh it's after the 10th so you need to deposit rent + late fee".

So now i'm thinking a call in system like most utilities use would be the best solution to this issue. Anyone have any info on this or using such a system themselves?