I was at the bank the other day and I noticed that they are now offering free online bill paying as part of their online banking services, and I am wondering if this is easy to do. Is it difficult to set things up so that you can pay your bills from home using your computer? Do I have to set up auto payments, or can I go in each month and pay each bill myself based on what I wish to pay that particular month? I am worried that if I use auto payments the money might be taken out when there isn’t enough in the account and I will get charged fees.