Quicken Bill Pay vs. Bank Bill Pay (Value?)

Hello All,I'm a new Quicken Home & Business 2007 user (just downloaded and installed it yesterday_ still getting everything set up).This may be almost a "Pre-Quicken 101" question, but:I am not clear on what advantages (if any), Quicken's Bill Pay feature / service (@ $9.95/mo.) gives me, that my bank's online Bill Pay feature / service (@ $0.00/mo., aka FREE) does not give me. (?)Any input in this realm would be much appreciated, before I sign up for Quicken Bill Pay (it won't take a lot for it to be worth $10/mo. to me ... but if there's truly no advantage, I don't want to waste $10/mo. for no reason, either.)And per the logical comment, "Well, I don't know what your bank's Bill Pay program is like") - my bank is BB&T (large regional bank in the South East) - and their Bill Pay service is very standard. Before moving to the East Coast, I banked with Wells Fargo, and the bill pay features were very similar (in case that helps, in any way).If I understand correctly, if I continue to manage Bill Pay via my bank, Quicken will still download all applicable info, as it does with every other bank account-related transaction -- so I don't really see any gain, or extra convenience, to using Quicken Bill Pay.Am I missing anything?Thanks in advance for any input / info.Doug

Answer

Quote:" Quicken Bill Pay vs. Bank Bill Pay (Value?): Hello All, I'm a new Quicken Home & Business 2007 user (just..."Just a quick thought, as a current Wells Fargo customer who doesn't use Quicken Bill Pay.  I think that "seamlessness" is one advantage.  You can pay bills directly from the software.  Right now, I pay bills on the web and then put them into Quicken.  Two separate steps - three if you count the subsequent download and transaction matching.  If you're only recording transactions after the fact, when they download, then this advantage will be less important to you, I suppose.Quicken Bill Pay works with multiple accounts, and I think that the extra integration would be pretty cool.  But the extra cost isn't worth it to me at this time.   http://www.quicken.com/notemplates/demo/billpay/
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