The best thing about this product for us was being able to send out our paycheck electronically without having to go through all of the steps involved with sending them by mail or faxing it over, which would be time consuming! It also allows me to do weekly deposits instead of waiting until every payday just so I can get my money into checking accounts more quickly than if we were mailing checks each week. We had issues when using online banking initially but they resolved those problems within days after contacting customer service via email/phone call. Not much else as far as complaints goes since everything has been great thusfar (except maybe some minor glitches here & there). If anyone wants an easy-to use electronic payment solution then skylight may not fit what exactly are looking at however its worth trying because once things start working well again everyone will love how simple.