We've lived here since 2002 and have paid our HOA assessments automatically via online banking (First Virginia/BoA) since then, you know, to save on paper/labor/etc (do people really use those paper payment coupons??). In the early years I think the bank cut a check and mailed it out, but as Armstrong modernized their billing systems, payments got transmitted electronically and you could, if you wanted, pay a bill from your online banking to arrive the next day. We've always set our townhouse assessment to automatically arrive on the 10th of the month (set it and forget it!), which had been working just fine since January 2007. In fact, I have account statements from FS that document the fact that they always received our electronic payment on or before the 10th (using a service called FISERV - I guess that's a company that helped them accept electronic payments). In or around July 2012 there was a change in the billing system (presumably at Armstrong's end - FISERV disappears) and our payments, which still arrived on or before the 10th, started being posted into their system on the ~15th, thus triggering a late fee, late flags every month, and starting in July 2013, late notices that we were charged $5.46 for the honor of receiving. Of course any change in billing system should be transparent to homeowners. So, beginning in late July 2013 we've been dealing with horrible communication from the management company where they will say someone will call us back, emails go unanswered (including a "late fee waiver" for the HOA board to waste their time on!), etc. Luckily today I've finally received a response from them, likely due to me CCing our GM Sarah. FS/Armstrong is resisting and saying it's my fault my payments are being posted late. So far we've accumulated almost $150 in late fees due to this system issue and hope to resolve it soon, but I figured I would post my experiences in case anyone else has to go through something like this. Obviously the "hack" for this particular issue is to compensate for their slow billing system by sending payments a few days earlier (which I've already done), but my main beef is their refusal, so far, to refund their bogus late fees and fees to receive notice of the late fee via snail mail (even though I've been signed up for their Armstrong Connect/My Community Site for ages!) Sorry for venting, but I wanted to post on our experience in case anyone else has this issue. =) I'll follow up on any resolution.