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Bank of America Bill Pay

If you have used Bank of America Bill Pay, please share your comments in our Bank of America Bill Pay user review section.

Company  

Bank of America is one of the largest retail banks in the United States

Service Name

Bank of America Bill Pay

Overview of Bank of America Bill Pay

Bank of America Bill Pay is a full featured product that is a pay-anyone service and supports e-bills for participating billers.

Bank of America Bill Pay is well integrated into the Bank of America Online Banking website, and transition from online banking to the bill pay system is easy and seamless.

Cost of Bank of America Bill Pay  

Free to Bank of America checking account customers

Enrollment at Bank of America Bill Pay

There is a bill pay tab prominent on the online banking system to reach Bank of America Bill Pay, and no separate sign up is required.

Customer care help is available on Bank of America Bill Pay via chat if needed.

Adding Payees  at Bank of America Bill Pay

Bank of America Bill Pay prompts you as to whether the new payee is a company or a person. Payees are easy to setup.

Major billers are easily identified.

E-billing can be enabled during payee setup time.

After the payee is added, you can see immediately how much lead time you need to get a payment to the payee. This lead time is next day for payees where an electronic connection is enabled with the payee, or around 4 days if they have to mail a check on your behalf.

Setup for personal payees that are not companies is not as easy with Bank of America Bill Pay as in the CheckFree Web offering, which lets you setup a non-company payee by just entering their phone number. See the CheckFree Web review for more information on this feature. Aside from that minor miss, adding payees is very easy to accomplish.

Making a Payment  at Bank of America Bill Pay

All of your payees are listed on the Bank of America Bill Pay Central page. You enter an amount to pay, and pick the date you want the biller to receive the payment.

A calendar widget is available to assist with payment scheduling.

The amount of lead time in days that you need for scheduling a payment to the payee is shown for each payee.

Your checking account balance is shown on the Bill Pay Central page of Bank of America Bill Pay.

Very few clicks are required to make payments. It's a very efficient process overall.

If you've made a payment to this payee before, Bank of America Bill Pay displays the amount of the last payment made to the payee.

Payments can be scheduled into the future, and can be canceled if needed within the Bank of America Bill Pay user interface.

After successfully scheduling a payment, the payment is displayed in an Outgoing Payments block, so it's easy to see payments that are not yet processed and when they are scheduled to be delivered.

When making a payment to a payee, Bank of America Bill Pay prompts you to ask if you want to set up auto-recurring payments to this payee. The resulting setup wizard is well designed and easy to understand...yet powerful.

Bank of America Bill Pay is state of the art, and you can tell that Bank of America has put a lot of time and energy into making their bill pay service easy to use.

Payment History at Bank of America Bill Pay

Bank of America Bill Pay stores historical data for 6 months.

Able to filter page to see just the results that you want.

Able to cancel scheduled payments if needed.

Page data can be sorted.

There is no capability on this screen to download transactions into Quicken or Money, but Bank of America does offer dowload capability from their online bill pay screen.

Within Bank of America Bill Pay, you can click on a payee and see your past history for payments to that payee.

It's simple to use, but it does everything you need it to do.

Other Features at Bank of America Bill Pay

You are able to setup reminders related to payees. You can set it to remind you when it is time to pay a bill; when a payment has been processed; when an automatic payment has been scheduled; or when a recurring payment is about to expire. Alerts can be sent to your email address is desired.

Bank of America Bill Pay customer care support can be accessed via chat, email, or telephone.

Summary of Bank of America Bill Pay

Bank of America Bill Pay is quite an impressive, powerful and extremely easy-to-use online bill pay service. This is one that I highly recommend. For all of the capability built into this application, there are just a few simple screens to navigate, and few keystrokes are required to accomplish your task.

If you have used Bank of America Bill Pay, please share your comments in our Bank of America Bill Pay user review section.

Read more Online Bill Pay reviews.