Free - I figured RDIF was something like that. I've found it best not to allow any company access to your bank account, thru on-line or e-payment methods. I, personally, setup one credit card, with a low credit limit, thru which I make all on-line payments. By doing it thru a credit card the payments have many protections both creditor account access and debit cards lack. I think what is most irritating, for me, is sometimes you're trying to correct some low amount withdrawal and it takes hours. I figure my time is worth something and on a couple of occasions have just written it off rather than having it drag me down trying to recover a relatively small amount of money. In the mean time I ceased any debiting of my bank account. I also transfer automatic deposits to another account, at another bank, immediately.
On the personal side, I hope you are adjusting to your loss, as best you can. You appear to have things under control.
pr