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In Mvelopes Bill Pay, what actions count towards my 15 transactions per month?

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In Mvelopes Bill Pay, what actions count towards my 15 transactions per month?

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One bill pay transaction will be deducted from the fifteen available each time you make a single payment from your checking account to the payee of your choice. If you transfer money from one checking account to another, this process involves two separate electronic transactions, and will deduct two transactions from the fifteen available. Transactions are counted per 30 day period.

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