Bill Paying Services Review

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Why Use Online Bill Paying Services?

Imagine paying all your bills with a few clicks of a mouse. Kiss stamps, envelopes and trips to the post office goodbye by using online bill paying services. Paying your bills online saves you oodles of time and money. These services are available twenty–four hours a day so you can pay your bills on your own time.

Online bill pay also saves you the hassle of paying late fees. Most services provide alerts that let you know when your bills have arrived, when they’re due and when they have been paid. Your payments are guaranteed to arrive on the date you set every time.

Online bill pay is faster and is as secure as regular mail. Legitimate financial institutions go to great lengths to protect their customers. Much of identity theft occurs from your own mailbox, so transacting online with the latest encryption and security technology will assure your information is safe.

In this site, you’ll find articles related to online bill paying services, as well as comprehensive reviews and a side–by–side comparison to help you make an informed decision on which service is right for your bill paying needs. At TopTenREVIEWS We Do the Research So You Don’t Have To.™

What to Look for in an Online Bill Paying Service

Online bill paying services offer a variety of bill management and payment features to make your life simpler and more efficient. The services vary in what they offer, so make sure the service you pick can fill your needs.

Below are the criteria TopTenREVIEWS used to evaluate online bill paying services.

Bill Management
Bill management features keep you on target for paying your bills on time. They should offer different alerts that tell you when your bills arrive, are due and are paid. You should be able to view the details of your bill regardless of its format. Other handy features include a bill payment calendar and online notes.

Payment Features
Online bill paying services include a variety of payment features. Some pay anyone you would normally pay with check and others only pay those who accept electronic payments. The service should allow you to choose which payments you want to pay each month and which you want paid automatically. Account types and which banks you can use to pay your bills vary depending on the service.

Ease of Use/Setup
Online bill paying services should be easy to setup and use, otherwise they don’t provide the convenience they promise. You should have to enter your payee and account information only once.

Help/Support
Look for a service that offers customer support 24 hours a day 7 days a week because your financial information can be time critical.

To see the best Online Bill Paying Service we could find, see Paytrust.

 
 
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Rank #1#2#3#4#5#6#7#8#9#10
10-9  Excellent
8-6    Good
5-4    Average
3-2    Poor
1-0    Bad
Paytrust MSN Bill Pay Wells Fargo Bill Pay PNC Quicken Bill Pay MyCheckFree BBVA Compass HSBC ChoicePay Xpress Bill Pay
Paytrust MSN Bill Pay Wells Fargo Bill Pay PNC Quicken Bill Pay MyCheckFree BBVA Compass HSBC ChoicePay Xpress Bill Pay
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Basic Monthly Plan
Visit Paytrust
Visit MSN Bill Pay
Visit Wells Fargo Bill Pay
Visit PNC
Visit Quicken Bill Pay
Visit MyCheckFree
Visit BBVA Compass
Visit HSBC
Visit ChoicePay
Visit Xpress Bill Pay
Ratings
9.95
9.43
8.75
8.32
8.32
7.63
7.40
7.13
7.08
6.95
10
9
8
7
6
5
4
3
2
1
10.00
10.00
9.88
10.00
8.75
10.00
9.63
8.75
8.75
8.75
8.75
8.75
7.50
8.75
8.75
7.50
7.50
8.75
8.75
7.50
8.75
5.00
8.75
7.50
5.00
7.50
8.00
8.75
3.75
6.25
8.75
8.75
5.00
5.00
8.75
8.75
3.75
6.25
8.75
7.50
 
Bill Management
E-bills available
  
Scanned Paper Bills
         
View Bill Details
  
Run Reports
     
   
Bill Arrival Alert
  
   
Bill Becoming Due Alert
 
  
   
Bill Not Received Alert
     
   
Payment Confirmations
    
  
Print Copy of Bill
 
 
 
  
Online Notes
    
   
Automatic Checkbook Balancing
 
   
   
Bill Calendar  
     
 
Payment Features
Secure Site
 
Service Pays E-bills
 
Service Cuts Paper Checks
     
Pay Anyone
  
  
Pay with Credit Cards   
  
 
 
Pay from Checking Account
  
 
Manual Authorization
  
 
Automatic/recurring Payments
 
Multiple Pay Accounts Supported
 
     
Use any Bank
  
   
 
Late Charges Covered if Fault of Service
   
No Charges for Insufficent Funds      
    
Payment History
 
    
Extra Transactions $0.50 $0.50 N/A N/A $0.50 N/A
   
Records and Xtras
Keeps Records 1 year 6 mos. N/A N/A N/A 6 mos.
1 year   
End of Year CD-Rom N/A N/A N/A N/A N/A N/A
N/A   
Spending Alerts       
   
Technical Help/Support
Telephone Support
 
  
  
Email Support
 
 
 
Online Help       
  
FAQ
 
 
User Forums