<prompt> Human: I want to make sure theres nothing wrong with how Ive currently got our rent account setup. Im a member at a local credit union where I have my personal checking, savingsemergency fund acct and another checking account I opened that I just call the rent account. I get paid twice per month on the 15th and 30th and she gets paid every other Friday. I have transfers scheduled to pull from my checking account on every payday as well as her account. The rent account is strictly in my name. We have no joint accounts. My credit union has the ability for me to pull money from her account every payday using a transfer from another bank or institution feature. From what I understand this is called an ACH transfer. My girlfriends account is at a completely different bank, and also exclusively in her name. Theres also a debit card attached to this account with my name on it that we occasionally use for dinners, groceries etc. At any point there is only about 100 extra dollars in the account.When I set this up initially, I took the routing and account numbers from one of her checks, fed it into a web form at my credit union and my CU made two small deposits to her account. I was told to verify these amounts and I gained the ability to pull money out like mentioned above.I need to know if there are any issues with this. Being that these are not joint accounts could I be held liable to pay tax on the money I pull from her account? Is this the best way to do this? I really, REALLY want to avoid the exchange of checkscash between us as weve both become so comfortable with this being completely automated and at this point it would be difficult to adjust. Would it be better to ask the landlord if we could each send a checkthis complicates utilities payments which are all in my name and also paid out from the rent account.Assistant: If youve already approved her account through your credit unions system with the verified deposits, etc. then youre likely good to go - you should have no problem initiating the pull. No need to worry about taxes on the transferred funds. You should doublecheck with her that she has sufficient funds in her account before you initiate the pull into the rent account each payday. And let her know when youll be doing it, so she doesnt spend it out of her account before you transfer. If she has insufficient funds when you try to pull, either you or she could get hit with all sorts of NSF fees, negative balance fees, etc. Human: Good to hear, thanks. The idea here is that the pull is initiated on the same day her biweekly paycheck gets direct deposited from her employer. Shed have to try real hard to spend that amount of money in the 24 hours between paycheck and withdrawal completes.  <response>: Personally I might recommend moving the day to one day after payday. Every once in a while my work has a holiday and the direct deposit is delayed a day. Or, your bank could try to pull at 9am and her payroll isnt deposited until the evening. Not saying this canwill happen but if you are putting it on auto sometimes it is safer to be cautious. 