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I will also add that I vehemently disagree with authorizing recurring debits on my account, (AutoPay), and I will avoid that wherever possible, in favor of doing my own automated Bill Pay from the bank interface.

I think it is unprecedented in history, and absurd, that a company can just reach in and scoop out as much funds as they want on a regular basis. I mean, many things I set up AutoPay have a variable billing amount. They can just increase the bill and they're still hunkydory to remove that amount in the coming months! Please keep consumers in the loop and in control here, folks.

Bill Pay from the bank is, unfortunately, sometimes perilous and difficult to manage, and you may wish for AutoPay after you've had a few mishaps. I recently received a PAST DUE LATE FEES APPLY notice because of a penny. If Bill Pay can't generate an electronic transfer, then it cuts a paper check to mail out (at no charge, which is great) but with all the pitfalls of floating checks (for a poor person who lives close to $0 balance, you don't want a lot of float!)