Online bill vs. Manual bill
When setting up a payee, this is the first question I have to answer. First off, I am assuming that "online" means Quick Pay, and "manual" means Check pay. If I don't know whether or not the payee is one of your 11,000, how do I decide? Is the correct strategy for me to try online first and see if I can find the payee. Then if not found, to switch to set up a manual bill for that payee? I take it that with the new Bill Manager, you are not using ACH to make payments. With Metavante (Quicken Bill Pay) we could still get "online" payments with 2 day lead time through ACH. Now, if you have not set up a special relationship with a payee, the only default payment is manual and sending a paper check. No middle of the road option.