Why is ebill support so rare?

[Green456]

Why is ebill support so rare? I have credit cards from Chase, BoA, Wells Fargo, US Bank, Citi.
Out of 6 of these banks, each of them literally multi billion dollars in worth only BoA and Citi support ebills on their credit cards. I just opened US bank Cash+ and Im really disappointed that it cannot deliver ebills to my credit union. Im really thinking of just not doing buisness with those banks and keep those that provide that service.

[MyDataMyChoice]

sometimes it is not the issuer it is the credit union ...

its a security concern for some

[Green456]

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@MyDataMyChoice wrote:
sometimes it is not the issuer it is the credit union ...

its a security concern for some

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BoA ebills work with every single credit union and bank that has bill pay.

[Anonymous]

It doesn’t seem to be a very popular feature. The only card I have that has it is Discover.

[Kforce]

Not everyone views eBills as a great thing

Many people prefer to push bills.

I sure don't want to give companies the ability to get money without transactional permission.

I would not use such a service.

Banks/CU's want to control fraud.

Giving an outside company the power to pull money from an account because they say you owe it, is an excellent place for fraud issues.

I believe paying bills and moving money between accounts should be done by the account owner.

[Anonymous]

^^^This.

eBill is turned on by default with Bank of America.  There have been several instances where I forgot to mark as eBill as paid in my BOA account, pushed full payment for the month, then realized that BOA was paid twice for the month.  Fortunately I'm able to keep extra cash in my checking account or I would have been hit with insufficient fund fees. I never make minimum credit card payments, I either pay off a bill entirely or make 5-10X minimum payment, but BofA always bills me for the minimum.

Happened as recently as a month ago:

[Green456]

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@Kforce wrote:

Banks/CU's want to control fraud.

Giving an outside company the power to pull money from an account because they say you owe it, is an excellent place for fraud issues.

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BoA is never allowed any access to my CU. A statement arrives electronically and my CU pushes payment equivalent to the statement balance.

As a matter of fact, Chase, Wells Fargo, US Bank are the companies that want me to put in my CU routing number and account number to withdraw whatever money from my account. This is excessive and concerning for me. I have completely disallowed access of any company to my CU checking account.

[CreditInspired]

I think I’m confused about some of the answers.

I have eBills setup with NFCU for Citi, Macy’s, AmX, Disco and my utilities. None of these creditors have my banking info or access to pull any monies from my checking account, so am I missing something?

The reason I have eBill setup is so I know in advance when my bills are due (the stmt comes to the Bill Pay section of NFCU), the outstanding balances, and the minimum payments due. I decide through NFCU bill pay what date and what amount to push to each creditor.

Is there another type of eBill that pulls from one’s banking account, which of course I wouldn't entertain.

[Green456]

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@MyDataMyChoice wrote:
sometimes it is not the issuer it is the credit union ...

its a security concern for some

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Well what is more likely? The issuer of the credit card or 3 major banks and 6 major credit unions? It is the issuer. Look below what I tried.

Chase bill pay will not get ebills from Wells Fargo.

BoA bill pay will not get ebills from Wells Fargo.

PenFed bill pay will not get ebills form Wells Fargo

Conclusion: It's Wells Fargo not offering ebills and not Chase, BoA, PenFed, BECU, LMCU not accepting it.

Same goes for Chase.

Wells Fargo bill pay will not get ebills from Chase

BoA bill pay will not get ebills from Chase

PenFed bill pay will not get ebills from Chase.

Conclusion:

It's Chase not offering ebills and not Wells Fargo, BoA, PenFed, BECU, LMCU accepting it.

Now I have no choice but to either manually push a payment every month or give Chase, Wells Fargo, US Bank direct access to my routing and account numbre of my CU or my bank.

On the other hand BoA ebills are delivered to every single bank and CU that has bill pay with exception of Alliant which is known to have very limited service. I just chose from my CU bill pay to pay statement balance and my CU pushes the right amount automatically. No need for manual push, no need to give BoA access to my CU checking and routing number.

@CreditInspired wrote:
I think I’m confused about some of the answers.

I have eBills setup with NFCU for Citi, Macy’s, AmX, Disco and my utilities. None of these creditors have my banking info or access to pull any monies from my checking account, so am I missing something?

The reason I have eBill setup is so I know in advance when my bills are due (the stmt comes to the Bill Pay section of NFCU), the outstanding balances, and the minimum payments due. I decide through NFCU bill pay what date and what amount to push to each creditor.

Is there another type of eBill that pulls from one’s banking account, which of course I wouldn't entertain.

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I think some people in here are confusing bill pay in your checking account vs bill pay in your credit card.

Chase Checking account has bill pay which allows it to recieve ebills from utility companies, cell phone providers and credit card issuers such as BoA if they support ebills.

Chase Credit Card will also have "bill pay" where you can put in 3rd party checking account routing number and account number so that Chase Credit Card can pull money from that account.

[Creditfan1234]

I also wish more companies or bill pay services would put more emphasis on Bill pay and ebills so I don’t have to log into every website I have a bill due at to see how much I owe. I hate putting my checking account number on all these sites and just want my main bank/credit union to push my payments to them.