You may not believe this but I honestly don't know how to do a balance transfer when I am in from of an ATM especially during pay day periods. I'm into saving money nowadays so I make it a point that I'll go to the bank to deposit some moeny. I'm so traditional when it comes to banking. I was just recently that I learned how to pay my bills online. I guess I am blaming it to the fact that it is usually my Mom who always pay my bills. She just has to know the due date of my bills and she will pay it off together with the other household utilities expenses that we have.