<prompt> Human: Like the title says, every month we get charged 6 on our mortgage for not paying it with a BOA account. BOA bought out the loan from another company a couple of years ago. Anyhow , does that sound right? I just feel that there shouldnt be a fee for that. Am not even remotely interested in opening an account with them.  <response>: This is because youre paying during the second half of the traditional 15-day grace period. Beginning February 14, 2011, customers scheduling their mortgage payment using external bank accounts via Mortgage Pay on the Web will not be charged a fee for payments made within the first half of the loans grace period. A 6 fee will be assessed for the second half of the loans grace period. If you make your payment earlier, you will no longer be paying a fee 