I'm not sure how exactly you're allowed to get away with it this practice but drafting a payment up to 5 days early from my account is not right nor ethical. While it's not caused me any problems such as overdrafts, etc,., I can see how this could be a real issue. Why have due dates if you're going to arbitrarily pull money out? I don't appreciate this practice. I do business with many online companies and don't have anyone other than you doing this.