Alternatives to Intuit's PayTrust service for online bill viewing and bill payment?
Ally bank has a free billpay service where you have the option of paying bills via eBills. Though I use Ally's billPay service (and I write about my experience with Ally in my blog), I haven't used eBills, but from reading your question, looks like this is what you are looking for. From Ally's site: What are eBills? An eBill is an online version of a bill or statement that can replace a traditional paper copy. Many large companies, like your electric, phone, cable and major credit card companies have the ability to send you eBills. To receive eBills at Ally, you must already receive your bill online at the biller's website. Ally will ask for the biller's website credentials to set up an eBill. Hope this helps. Paytrust seems to be the only game in town.  We've changed banks several times over the last 15 years and I can tell you that using a bank's bill pay service locks you in, big time.  I loved paytrust because I could make one change if we changed banks.  If you're using a bank directly for your bills, the ides of recreating your payee list is daunting. Something you may want to consider if you are still choosing a bill-paying service is the contingency policies of the service.   I just suffered an extended stay in a hospital and my officially (in writing) designated Power of Attorney was NOT granted access to my PAYTRUST account.  Thus they could NOT take care of my finances easily.  After my discharge, I contacted PAYTRUST and they had canceled my account and would not reactivate it.  This is after over fifteen years of loyalty.  Needless to say there was much financial chaos in my life due to their negligence.  They were staunch in their policy and said officially that if they need to acknowledge a Power of Attorney, the ONLY thing they will allow the POA to do is close the PAYTRUST account.  How's that for customer service?!  Caveat Emptor. I am now seeking another service and will be asking about their POA policies. "An old question... but the recent answer for me turned out to be Check (formerly Pageonce) https://check.me/ (NOTE: Check was recently purchased by Intuit and is now MintBills) The only thing Check doesn't do that PayTrust did was accept paper bills from payees that couldn't do eBill... but that's a rare problem anymore (for me anyways).  I went through each of my payees in PayTrust and added them into Check, it found almost all of them... I added my security info for their logins, and it was setup. The few that Check couldn't find, it asked me for the details and would contact them to try and get it setup... but in the meantime I just added them to my bank's billpay system with automatic payment rules (my mortgage company was the only one it couldn't find, and I know what my mortgage is every month so it's easy to setup a consistent rule) Check does so much more than PayTrust will ever do... Check has a MOBILE APP, and it is really the centerpiece of the whole system... you never really log into the website from your desktop (except to setup all the payees)... most of the time you just get alerts on your phone when a bill is due and you just click ""pay"" and choose a funding source, and bam you're done. It's been awesome so far... I highly recommend dumping PayTrust for it! FYI:  Check is clearly winning at this point, but some of the competition are  are http://manilla.com (not sure if you can pay your bills through them though) and DoxoPay ( https://www.doxo.com/posts/pay-your-bills-on-the-go-with-mobile-doxopay-new-android-app-and-an-updated-iphone-app/ )" (Six years later...) I've used CheckFree for over 20 years, and my uncle started using it back in the early 1980s through a 300 baud modem.  It has e-bills, EDI bills that you schedule yourself, and will also mail checks to people and small businesses. You can make your payments from an unlimited number of banks, can schedule multiple recurring payments for the same bill (I find that useful for when buying large/expensive items by CC: I create a different payment schedule for each), plus ad hoc payments.
How about finding a friend with Paypal and sending them the money so they can pay your bill using a card? Withdrawals from Paypal are typically instant now. Um  really, you expect US to know the answer?  Why not ask Wells Fargo? Unless someone here happens to work for WF and has access to the right people, this is more likely a question to send to their support people than to get an answer here that is anything other than a SWAG   (and in that line of reasoning, and as a software tester by trade, my money is on the already offered reasoning that it's doing some kind of primative 'bad word' search (probably a regular expression match) and getting a hit on tit.  ) In the meantime I suggest an alternative term, how about 'offering' What qualifies as a transaction? Does the bill pay count? Otherwise, not sure what you'd do to get 12. If this requires you to actively do something 12x per month, not worth it. But I can easily set up 12 online bill payments. A desktop application that has the same features (although as already stated, nothing will be identical but if you are looking for functionality then certainly there will be) and pretty simple to use was Microsoft Money, however, Microsoft stopped supporting it with newer versions and while the existing versions will work, I still use mine, there will be no future updates. I like the interface, its simple to use and has all the features you want. They abandoned it in favor of Intuit's Quicken but personally I am not a fan of the Quicken interface. They still had a more extensive and probably too much for the average user application called Office Accounting, but they abandoned future updates and supports on that in favor of Intuit's Quickbooks. Again, I am not a fan of the interface but they are very feature rich including invoicing and payroll, again overkill for the average user. They still have the Small Business Accounting in the form of Microsoft Dynamics, but that is utterly overkill for personal use. I generally don't trust online or cloud based accounting solutions like Mint or even Quicken online because I don't trust my information security to some third party without knowing how they are securing it and what will happen to me if/when they are leaked due to breach. So I like to keep everything local to myself and that's a good move for you, you should do that. It seems at the moment the market standard without much competition is Quicken for personal use and Quickbooks for small business. I would recommend you start with Quicken and if your needs increase in the future, you can easily transfer into Quickbooks to scale up as they are fully compatible with each other. Check it out here and compare their products to see what works best for your needs. I'm always hesitant to use local credit unions because I love accessing all atms fee free, having services available 24/7, having robust, safe and audited online services, and having a big enough bank that all major third party tools interface with it.   Joe Schmo Local Credit Union has a lot of good services, but audited and secure online banking? No fee nationwide ATMs? Native interfacing to major tools? I just don't see it often.   I shudder to think of the security at small bank websites, frankly. Intuit Quicken. Pros: Cons: Most modern bank accounts can be set up to automatically pay bills for anyone, even someone who has no control over the account. This account would be in a trustee's name for the untrustworthy party. An automatic transfer could be set up from the source account to the irresponsible party's bank account to pay their allowance. It would be wise to remove all overdraft capability from the recipients account, but the whole system might help them learn some responsibility. There are more formal legal structures for forming a long term care-taking trust (with spendthrift provisions to protect the trust from legal action). The trust would need to be maintained by a trustee, resulting in maintenance fees on the principle. It might also help to know if there are legally recognized factors that impair the beneficiaries ability to take care of themselves (substance abuse, depression, age, mental impairment, etc.), but depending on state law, trusts can be designed very flexibly to cover the lifetime of an heir and even their heirs. I know of websites that do this, but I don't know of banks that do. Is there any reason you want to do this at a bank rather than use a service?  My main concern with using a bank for this would be the risk of overdraft fees I use Banktivity.  It's very much not free, but it automatically downloads all my bank and credit card activity and has excellent reporting options. I personally use mint.com and find the alerting feature to be handy.  The reports and ledger are nice for a web page and attractive, but I use Quicken for really keeping track of my money and budget.  Mint.com just doesn't offer the depth I want; but a lack of depth is a feature for some people. The one thing I do is to check my accounts online every couple of days (not just via mint's interface).  I am still protected from fraud if someone steals my money regardless of the vector of attack.  So mint's fault or not, I have to keep on top of my outgoing and incoming transactions with frequency so I can stop problems before they get too deep. summary:  the security is important, but being secure or not doesn't absolve me of being aware of all the transactions on my account.  I will still be protected by consumer laws (as much protection as that is) but I can't expect mint to fix any problems it might cause. Both Wells Fargo and Chase are participants in clearXchange, which enables the various QuickPay type services to work with each other.  They may be using this system rather than an ACH wire transfer to transfer your money (and to verify the account). "Software or any online service fits this category I suppose.  There are two apps I pay for that are ""free."" Evernote and Pandora.  Evernote is free for 40MB, $45/yr for 500MB/mo transfer. Pandora is free for 40hrs/mo, $36/yr unlimited. When I use a free product and hit the limit it's a sign to me that I value that product and the owners deserve to get paid. To me, both products provide value that's well above the cost they are asking. In this case, both products are annual subscriptions, but offer monthly as well.  You don't mention the type of product you have, the two I listed are similar in billing type, but very difference end uses. The question is - How do you provide value and make your customers want to pay you?  BTW - the ~$40/yr give or take, seems a good price point. Under $50, it feels a fair price to pay for a useful product." I use XE.com for almost the same purpose.  They have free transfer options, such as ACH withdrawals and deposits.  I normally do a online bill payment through my international bank to XE, and have them deposit it in the US via ACH.  It takes 1-3 business days, and there's no fee beyond their small percentage (about 1.25%) on top of the exchange rate. For double entry bookkeeping, personal or small business, GnuCash is very good. Exists for Mac Os. They have recently launched an iphone app 'Billguard' in UK which does accounts aggregation which is similiar to mint.com. You can also use try 'Ontrees' iphone app which is another account aggregation software. I am using Yodlee Money center Website for past 4 years which support lot of bank internationally including all major UK banks and creditcards.