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Quick answer:
Apex Utilities bills average around $90/month for a typical household. Apex bills monthly with a 21-day payment term; one-time card payments go through KUBRA with a 1.95% fee (0.75% for Visa Debit), so bank bill pay avoids the fee. Apex's site does not state the account number digit count.
Check Your account number is on the upper right side of your bill, and it is the number you use to register for and sign in to the Apex My Account portal.. Enter it exactly as shown when adding the payee.
Yes, and it's the whole point. Most billers don't reward you for how you pay. Through Neobanc, your card earns its normal rewards and Neobanc adds 1% to 2% cash back on top. On a typical $90/month Apex Utilities bill, that's roughly $43 back per year between a 2% cash-back card and Neobanc, for the exact same bill.
Average $90/month: a 2% cash-back card returns about $1.80/month, and Neobanc adds $0.90 to $1.80 on top, roughly $43 per year for switching how you pay, not what you pay.
Change how you pay before what you pay. Paying by bank transfer or Pre-Authorized Payment Plan earns nothing; the same bill through Neobanc with a cash-back card returns about $43 a year. A bill is considered late if not paid in full within 21 days of the invoice date, after which a Late Payment Charge may be applied to the unpaid amount (Apex's 2022 Special Charges Schedule listed 1.5% per month, 18% per annum). A recurring Neobanc payment a few business days before the due date earns on every cycle and never runs late.
