I like USAA bill pay as well but DO NOT use it to pay bills from your phone. This is the second time that I have paid bills from my app and they told me that the bills were not paid and when I went to the website from my computer to pay them, my bills were double paid. USAA will not own up to this problem and I know that I am not crazy. I do everything from my phone and I know how to use their app. I really wish that they would fix this problem!