I'm working around the Muscle Shoals area, about an hour west of Huntsville, AL.

It was drawn off my account ACH.

I got a bank (suggest not one of the Nationals) that can support ACH, Bill Pay and online banking.Opened a business checking & savings accounts.All REI receipts (auto pay, manual checks) go to the checking account. 

Might be a Harley or muscle car.

ACH is freeTakes about 5-7 days for the funds to hit your bank accountExcelI use an excel spreadsheet to track my check register.

If they pay with a check or ACH, you wait until the payment clears.

And it helps you get off your butt and build some muscle too :) Ancient King Solomon who was arguably the wealthiest man who ever lived wrote how sad it was that man should work hard and hand over his work to someone else who didn't work for it, and he stated that ultimately you should enjoy life, and find enjoyment in your work, whatever that work is Eccl 8:24.

Its that, or get some muscle to help you move in and secure your property.Buy the property with the contingent that outside of closing costs and one dollar, all money from the sale is held in escrow until the property is vacant.

For my SEO / marketing agency we do monthly ACH drafts on many of our clients.

which comes with more or less head aches?