I use the Online services of the bill I am paying, if possible. I will NOT pay for it however. A little secret for the Amex people....set your account up for online access and online bill pay. Your account is credited the instant you make a payment, even if it doesn't show up online right away. HOWEVER, they do not take the money out of your account for at least three days. If I do an online paymeny on Thurs, it usually doesn't come out of my account until Tuesday. Yahoo Bill pay is great! Never had a problem. I am still using the 'free' version. You can pay ANY V/MC for free...Any card, ANY bank. You just have to type in the address if they don't have it. They set up the rest. They also have direct statements for Amex, Sallie Mae, Ford Credit, many utility companies, many wireless companies, etc. AND, you can link your checking and saving account, schedule payments for any time in the future, etc.... Another way to watch your accounts for free (I don't know if they have billpay yet) is www.onmoney.com This service is great! Monitors Credit cards, mtg, and REWARDS programs...airmiles, amex rewards, etc... They are both easy to use! Hope this helps! Shawn
