I like how easy it is to set up, pay bills online with this service! It was so simple for me because of my credit score being low due too many unpaid accounts from previous years that were paid off in full just recently by Chase Bank (the bank where we do business). My account balance has been reduced since using their services - $300+ dollars at one point last year- which helped tremendously as well when applying for home loans or any other financial products/services through companies such as Wells Fargo Credit Cards etc.,.