The Reg E rules apply to ATM withdrawals and one-time debit card transactions. It does not apply to recurring ACH. I don't think it applies to bill pay unless the bill pay is accessed through the debit card (ie I pay my utility bill at the utility company's website using my debit card on a one time basis). Bill pay through your own bank website wouldn't be included as far as I know.
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I can't herd the cats anymore, so I just set up the electric fences and let them fry when they stray out of bounds.