For that matter, registered mail is another option that isn't as expensive as fedex... there's other options that are slightly more costly, and more noticeable than sending via the same structure that junk mail goes through.

I expressly don't use automated payments for my mortgage and auto loan(s) as I don't want to have an account miss... I didn't know my mortgage was sold/changed a couple months ago until I went online to change. The same happened with an auto loan a few years back as well.