kvkeee said:Any suggestions on how I can take advantage of this feature..?
Most banks don't have a setup where you can billpay into a deposit account. You need an financial institution which is on the payee list, and you can type an account number, and it will somehow get into that deposit account. There's not a lot A few instances have been named earlier in this mega-thread. But it has a problem, because repeated use tends to tick off someone (either MBNA or the depository institution) after a while, and there's the risk of billpay being shutdown, or the bank account being shut down.
Any way to achieve this even if your bank is not listed in the payee list?
nope, they absolutely have to be on the payee list.

akhan7 said:Kind of... on my newer card (not from MBNA with the "real" billpay choice). I used the $75 checking signup bonus. I lost the CC-only billpay that allowed me to pull payments to pay my card from other banks. I got the standard version, where you can pay only from your BoA checking.

I called several times, and I was also told the only way to do this was to delete the checking. I haven't yet, though, so I don't know if it would really revert back correctly.

On another note, my dad has an MBNA card with billpaychoice. When he clicks the bill pay tab, he gets an intermediate screen that lets him select standard billpay or bill pay choice.

akhan7, I'm sure you're talking to your dad to become an AU (Au really is "gold" here!) on his card already ... but in case you just want the ability to pay your BOA CC using funds directly from an external account, BOA provides an option: https://www.myeasypayment.com/. You'll be asked question each and every time (there's no login to create and store your info), but it does work the way you seem to like.

markkundinger said:kvkeee said:Any suggestions on how I can take advantage of this feature..?
Most banks don't have a setup where you can billpay into a deposit account. You need an financial institution which is on the payee list, and you can type an account number, and it will somehow get into that deposit account. There's not a lot A few instances have been named earlier in this mega-thread. But it has a problem, because repeated use tends to tick off someone (either MBNA or the depository institution) after a while, and there's the risk of billpay being shutdown, or the bank account being shut down.
Any way to achieve this even if your bank is not listed in the payee list?
nope, they absolutely have to be on the payee list.

Thanks Markkundinger..I really do not want the billpay feature go away. So let me NOT try that option.

I just found out that the card I have been using for billpay (LLBean visa-a former MBNA card) is ending their relationship with BOA. I am sure BOA will keep the account by converting it to a different card but I am concerned that I will lose my billpay... Anybody have any thoughts on this? I am guessing I will just need to wait it out...

I posted some recent curious observations relating to my BoA cards online access and credit reporting consistency in my addition to cashmonkey's aor thread.

peteypablo said:My dear wife's MBNA billpay service appears to have suffered a serious alteration which makes it much less useful. We received a notice that our phone bill could not be paid with one of her credit cards. This may be explained by the bill being in my name alone and the credit card in hers alone. I then tried to schedule new payments from credit cards. Nothing works. The only thing they will do now is pull money from my checking account and pay bills with it. I can do that with my regular bank.

This may have been triggered by my wife applying for a checking account and savings account to do Keep the Change. She got turned down for the accounts, and that scrutiny may have led to this change. Anyone else seen this change?

The worst thing about it is that they could notify you about a failed credit card payment after it is too late to schedule a payment by other means. This could cost an introductory rate.

Previously, Aepheme posted that applying for a BOA checking account eliminated the MBNA BillPay.

peteypablo said:MillionDollarMan said:Previously, Aepheme posted that applying for a BOA checking account eliminated the MBNA BillPay.

This doesn't make me feel any less stupid, but I would note that Aepheme reported losing MBNA Billpay Choice on successful application for the checking account and being told he could get it back by deleting the checking account. I applied unsuccessfully and lost it also. This casts doubt on the theory that you can get it back by deleting the account. What a boneheaded move!

It can't hurt to call to see if they would be willing to reinstate the MBNA BillPay since you did not get the checking account. I don't think it was a boneheaded move. There was no reason to assume that simply opening a BOA checking account would result in a loss of the MBNA BillPay functions.

Just wanted to update on my situation mentioned above for other's reference... My LLBean visa (formerly MBNA) with Billpay choice was converted to Worldpoints visa July 1, due to LLBean changing banks on their card. I was concerned that with the conversion I would lose Billpay choice. So I waited to see what would happen and I have checked now since the conversion and the Billpay choice is still available. So it worked out fine for me!

peteypablo said:My dear wife's MBNA billpay service appears to have suffered a serious alteration which makes it much less useful. We received a notice that our phone bill could not be paid with one of her credit cards. This may be explained by the bill being in my name alone and the credit card in hers alone. I then tried to schedule new payments from credit cards. Nothing works. The only thing they will do now is pull money from my checking account and pay bills with it. I can do that with my regular bank.

This may have been triggered by my wife applying for a checking account and savings account to do Keep the Change. She got turned down for the accounts, and that scrutiny may have led to this change. Anyone else seen this change?

The worst thing about it is that they could notify you about a failed credit card payment after it is too late to schedule a payment by other means. This could cost an introductory rate.

Mystery solved. I got letter today from Bank of America closing all of my accounts, closing all of my wife's accounts, and closing my son's account. What do all three of us have in common? We all applied for MyAccess Checking at a time when we had relatively high credit card balances and we all have the same street address. In my case, I had also just maxed out my BOA NEA balance transfer after repeated begging from BOA. I don't think it was the BT that did it; I think it was the credit review that accompanied the application for the checking account.

I know this is a chance we take with AORs. I'm a big boy and I can take it. But there is still something of an emotional sting to being told you are no longer considered worthy of credit. I'll lick my wounds for a bit, and then approach BOA about reinstating.

I'll post this to adverse action thread as well, but has anyone lost a promotional rate when an account was closed?

Since the LLBean-Worldpoints conversion, I have lost my MBNA BillPay Choice effective with the first statement cut after the conversion.