I don't like autopay either. I use Truist billpay, but only if the vender has an electronic account where the money is transferred electronically. If they don't, the bank needs to actually mail a paper check to the vender. This can often take 2 weeks or more. In that case, I will call the vender and make a credit card payment over the phone. That seems to work fine for most medical and similar bills.
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