i have electronic payments and i check my statements all the time. my bank sent payments to the given address and routing which was provided by gemb. every month at the same time the same amount has been sent. i'm overpaying every month for a cousion. well my state had a hurricane and it effected my area and had to send camper in for repairs. i recieved a letter from gemb stating that since i was affected by the hurricane that my payment would be added to the end of my contract. my bank payed it anyway. to much trouble to skip a month so... read full review »