<prompt> Human: Weve been banking with PNC for around a year at this point and have had no problem whatsoever. This last week has been strange, though. It started with our insurance bill. Its scheduled to come out at the beginning of the month, but it didnt show up at paid with our provider, and the transaction didnt show up with the bank either. So we made a manual payment. The next day three business days later than it was supposed to be the charge we made was there, along with a duplicate.I called the insurance company to check that it was scheduled, an to see if they could refund one of the charges. But since they were still pending, I would have to either wait for them to go through or call PNC and cancel one of them. So I called PNC. The representative I spoke with told me that unless it was an emergency, we should wait a day to see if their delicate charge system catches it, and if not, to call back or dispute the extra charge online. So we waited. Thats when we got to this morning. You see, the day when my wife was making a manual payment for our insurance, she also paid other bills. Now, none of those are showing up in the account. The original two charges for insurance are gone, but the insurance company has us listed as paid. Same goes for power, gas, and phone bills. Ive been on hold for PNC for an hour so far this morning. I havent spoken to a rep, so I thought Id ask you all just in case someone has a bit more life experience than me and knows what the hell to do in this situation. Assistant: In the future, I wouldnt pay a bill manually that has an automatic payment schedule set up before calling the company. My insurance company has my account set up for auto pay and depending on the day of the week and holidays it sometimes takes a few days to actually appear. If you dont see if usually your agent or company can tell you what day it is actually scheduled for since they should be able to see it on their side of the system. This way you can avoid going through any refund processes when they actually process the agreed upon payment. Human: That makes sense. Thank you for clarifying this. As I stated above, Im an idiot in terms of financial organization thank God my wife is the exact opposite, but Ill talk to her about this and well get it figured out.  <response>: Agree - Ive accidentally made double payments more than once because of this. In the future I do recommend keeping a buffer in your checking account so you can cover temporary fluctuations in available cash without getting stressed out. Also except for my mortgage I only make automatic payments on credit cards a a pending charge is usually visible on the cc website right away and it gives me more direct control over the cash in our accounts, points are just a bonus. 