I have done all my bill paying on line for several years and it has been so much easier to keep up with everything and my bank keeps all paper work for 7 years and if I want anything I can print it off and when I can't remember when or if I paid a bill so much easier to click a button than look through a bunch of papers. I just don't see any sense in them having to mail me a statement when they can send it email for occasional bills I use my phone and credit card works for me