<prompt> Human: The bill pay feature also helps me organize. It allows me to set up monthly payments for medical bills for 5 months only and then forget about them. 100 a month for 5 months, done.Also many of the bills I have do not have the option of paying online. I have a son who is constantly in and out of the ER and seeing multiple doctors as we try to figure out what is wrong.Am I an idiot? Is there a better way I should be doing this?  <response>: Can you not find a bank account without a fee or with an avoidable one based on your banking habits that also has bill pay? 