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Right now I work for a bank, so I enjoy all of the online banking services at no cost. I love the convenience, even the online bill pay.
About the online bill pay, though - at least for my financial institution, you don't have to have the payments "auto-drafted" the same time each month. You can set up a list of payees, and just use them on whatever day you'd like. Another thing I like about this is that your account is debited for the payment next day, instead of waiting days for a check to clear. Plus, I used to be good for putting a bill down in my purse or briefcase meaning to mail it.... and finding it there two weeks later.
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