Online Bill Paying Comparisons

Online bill-paying service and price*	Receives bills from?	Must change billing address?	Software compatibility	24/7 toll-free customer service?	Important features
Comparison Chart - Online Bill Paying
Online bill payment through your bank Where to Buy (free)	Selected electronic billers; currently hundreds of vendors	No	Usually Quicken and Money	Varies by bank	Most large banks including Wachovia, Citibank, JPMorgan Chase, Bank of America, Commerce Bank, SunBank and Wells Fargo offer online bill paying.
Paytrust.com Where to Buy (*est. $5 per month plus 50¢ per transaction or $13 per month for 30 transactions; 50¢ each thereafter)	Anyone	Yes	MS Money, Excel	Yes	Uses multiple accounts for payment; bills available online for one year (offline for eight years); financial tracking; paper check issued for payees not set up for electronic billing. Bills must be paid through a checking account (not currently set up for payments via credit card); year-end CD $20.
MyCheckFree.com Where to Buy (free, www.mycheckfree.com)	Selected electronic billers; currently hundreds of vendors	No	Quicken, MS Money	Service available via web chat Monday-Friday from 8 a.m. to 9 p.m. EST and on Saturday and Sunday from 8 a.m. to 5 p.m.	Does not accept paper bills. Electronic payment records kept for six months; uses multiple checking accounts for payment; credit card payments accepted when allowed by biller.
Quicken 2008 Deluxe Where to Buy (*est. $60) Bill payment costs $10 per month for up to 10 bills	Anyone	No	TurboTax	Yes, phone and online	Pays bills to over 5,300 financial institutions, including PayPal. Bill-paying calendar lets you click on a bill and pay it. Desktop alerts for bills. Link to cash flow, investing, 401k. Tax and debt data.