I like that it is easy for me to pay my bills online each month, and also have access to different types of accounts with them as well. It's not always clear what you are signing up for when doing an account set-up. Sometimes there can be multiple options or features available depending upon your type of transaction (credit cards vs. checking/savings). There isn't anything really negative about this program at all. The customer service has been great! Everything works smoothly here so far. We use their online bill payment system which makes paying our monthly utility payments very easy. They were able to process our utilities without any problems.