DUE TO THE NEW BANK REGULATIONS, IF THE PAYMENT DATE FALLS ON THE WEEKEND THERE IS NO GRACE PREIOD. MY PAYMENT DATE 23RD OF THE MONTH WHICH FELL ON SATURDAY 4/23/2011. MY BANK PAYS MY BILLS, I AM DEPLOYED MOST OF THE TIME, SO I DEPEND ON THE INTERNET. BOTH EFT PAYMENTS TO GEMB WERE SCHEDULED FOR 4/20/2011, WHICH SHOULD HAVE POSTED ON 4/22/2011. GEMB DID NOT POST THE PAYMENTS UNTIL 4/25/2011. I CALLED THE NUMBER ON THE STATEMENTS AND GOT A WOMEN THAT BEARLY SPOKE ENGLISH, SHE TOLD ME AS A ONE TIME COURTESY THE LATE FEE OF $25.00 WOULD BE... read full review »