<prompt> Human: Hi,Ive been following this sub for awhile now and one of the recurring ideas to accelerate a mortgage is to pay twice a month compared to just the once a month. Id tired setting this up with my current provider and I noticed they dont allow bi monthly payments options. I went digging through and found this on their help site. Ive hidden the banks name if it reads a little choppyBank, provides borrowers with a variety of ways to make mortgage payments. You must pay the full periodic payment amount required under the terms of your mortgage loan as reflected in your periodic statement or coupon book. Partial payments will not be credited and posted to your account until BANK receives the full periodic payment amount. If you include any additional funds with your payment, please specify how you want those funds credited to your account; otherwise, excess funds will be applied to any outstanding fees or principal. Please read below for a list of ways to submit mortgage payments to MB and requirements to follow when making mortgage payments. My current mortgage payment is 949 a month 30 years at 3.6537; and im two years in. I wanted to set up two payments of 500, but if im reading this right, they wont actually put the first payment towards the total until they received the second payment? Any help or next steps would be greatly appreciated.  <response>: Youre way overthinking this. Why not just set the minimum amount to auto-pay, then send in any extra money that youd like to put down as principle? That way, itll go directly to equity instead of front-loaded interest, fees, or any other nonsense that would come about by trying to setup a convoluted bi-monthly payment system. 