If you have been doing online banking through your local bank, you might be readyfor the next step: online bill payments.

The difference between these two services, which sound similar... Online banking usually means you can see your bank balance, make payments from your checking account, etc. Online bill payments aren't directly connected to your bank -- these are independent services that recieve your bills from various vendors and then you make payments to them from one single place -- thus eliminating all those paper bills you get.

The services usually charge a fee, so this is not for everyone. Also, many folks still trust the postal service more than they do electronic systems.

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