For those who forget to write and get a payment mailed in time, why is it that I can not find a RBS branch so that I do not to incur a late charge? It is a shame that I have a $60.00 bill that will not make it to the post location in time and will be late to incur a $30.00 dollar penalty. Is there a RBS branch location where one can make a payment so late payments will not be penalize? This is New York City, the world largest financial location in the world and one is still at a loss.