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How to I use my balance to pay? What is relationship between autopay and balance?

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I have over $100 in my account balance ... I'm not sure that I understand the relationship between my account balance and autopay.

 

If I were to disable autopay, what would happen? 

 

I did disable autopay ... then I got a reminder that my "plan payment is due tomorrow". So of course I rushed back and turned autopay back on.

 

What if I hadn't?  Wouldn't t-mobile just get the payment from my account balance?  If not, why not? I really don't want to gamble and find out what will happen by losing my service.

 

How can I draw down my balance some without just continuously making payments and never drawing the balance down?


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