Just wondering how many others use their bank's online bill pay? We recently started doing this and it seems to be helping us keep track of our bills a lot easier. That and we don't have to worry about the bill not making it in time through the mail.

I have been using it for months. I prefer to do it rather than mail them in.

We pay all of our bills online, with the exception of our rent. We actually have it set up so that our bank mails a check for our rent to our leasing office every month, so that's not online, but it's also not something we have to think about. I LOVE not having to mail them in or even give bills much thought.

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~Vicki~
Mama to Hailey, 4 and Ella, 2

We have been using this for years. It actually saves us $$ - no stamps to buy, we use less envelopes, and many creditors can be paid automatically by our bank - so no chance of late fees due to a hold up w/the mail.

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Stephanie (27) & Virgil (31)
Caden 3 y.o. 11/28/04 29w preemie
Wyatt 17 mos. 9/25/06
#3 due 8/24/08

I've been using Bank of America's online bill pay/banking for a while now and I love it! It's free with my checking account!

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~ Jessica

Between debit cards and on-line bill pay, I hardly ever write a check anymore. The only time I use my checkbook is to pay for a fieldtrip or some-such activity at DD's school. I swear they should just keep my debit card number on file and make a withdrawl anytime I sign a permission slip.

I have many of my bills set-up with 'Checkfree'. They are always on time and send me an e-mail when a bill comes due. If I have a question about a payment or a statement, I can look it up right on line. I don't have to deal with the paper portion of the bill if I don't want to which is wonderful because I hate filing all those paper statements. The only downside to Checkfree is they don't contract with all my vendors so some of my bills I pay through my bank's free on-line bill pay service.

And here is the weird part ... my bank's free on-line bill pay service is powered through Checkfree. However, they don't have all the features that Checkfree gives me directly - and for free - and my bank is often LATE at paying the bills. That really torques me! One of the benefits of on-line bill pay is you can schedule the money to be transferred on exactly the day the bill is due. So, if the bill is due on the 1st, you don't have to send the check in the mail 5 days ahead of time and hope it arrives on time. However, with my bank's on-line bill pay I may ask that the check arrive on the 1st and sometimes it won't get paid until the 5th! I end up incurring service charges on that late payment even though I may have had it scheduled to pay up to 30 days before it was due! And my bank won't do anything about their error because they are providing me with a free service. That's why I pay as much as I can through Checkfree directly.

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"I've been rich and I've been poor but independently wealthy is where it is at."

I have been using billpay from our bank for several years too. Only thing is Ive grown somewhat lazy when it comes to filling or even making changes. This has come to bite me this year- my electric bill changed on me and I didnt notice! Then I got a disconnect notice for the 34.00 I was behind! OPPPS otherwise I DO LOVE it.... also watch to make sure if you pay credit cards w billpay that they dont change the due date on you..... I had to beg them to take the late charge off because it was there on the following day. Just some FYI.

We do most of ours online. We still do our house through the mail. And we still drive our utility bill and drop it off (not sure why when I could do it online....maybe I'll have to change that). I got tired of having all the papers left over from bill paying.

Lulu - Our bank offers bill pay - we enter the billing info and the bank sends payment either via check or a direct pay. Our bank (US Bank) offers bill pay for free.

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Stephanie (27) & Virgil (31)
Caden 3 y.o. 11/28/04 29w preemie
Wyatt 17 mos. 9/25/06
#3 due 8/24/08

We pay the majority of our bills through the merchant's online site or through auto debit. I use our credit union's billpay for a couple of bills. We still have a few things that we still need to write a check for: insurance, school tuition, etc., but our check and stamp usage have gone way down.

I love paying bills online.

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SAHM to 4 rugrats