We have always opted for the quarterly pay-back of the CCR into our account as with one child attending daycare (full-time last year but only 2 days this year) it was affordable to pay the fees and then have a nice little wad of money to look forward to every 3 months. However, with 2 kids now, both of whom will be attending daycare full-time when I return to work in January, it's going to be way too expensive to pay up-front and wait for the CCR, especially without any CCB. So we want to change our CCR payment frequency. What do people think - is it better to get it paid fortnightly to the childcare centre to reduce our fees, or to get it paid fortnightly into our account? I'm a bit nervous about the centre getting it as there have been lots of errors in our fees over the past 18 months, the most recent being an error in adjusting our CCB. I can kind of see the whole thing becoming a big mess if the centre gets our CCR and has to reduce our fees . . . But maybe I'm being paranoid. What are other people's experiences?