I began paying bills online several years ago. I decided to go to auto-pay for the really important things like mortgage, health and car insurance. All the other bills were designated convenience, or pay as you like and as your budget allows. These include credit cards, power, phone, entertainment and garbage. I pay incidental bills the old-fashioned way with checks.
Surprisingly, the only convenience bill that I have to pay by check is the Bellevue water bill. Bellevue uses awkward software called “paymybill,” which does not allow convenient payment by direct bank transfer. It seems unbelievable that Bellevue does not allow the flexibility that the rest of the industry uses.