( 4 reviews )

MyCheckFree is an online billing and payment service which aims to allow users to gather all their monthly bills into a single place where they can be managed, tracked, and paid. 

How Does It Work?

According to their website, all you need to do is sign up for an online membership with their company and then provide them with the companies from which you receive your monthly bills.

This allows you to manage your monthly bills all in a single place and to pay them all from one place. 

Customers who sign up with an account at will begin receive their billing statements online, as well as monthly reminder emails to sign on and view your bills before they need to be paid. 

Payments for bills begin process two business days prior to your bill due date, so you will need to keep this in mind when scheduling payments and avoiding late fees.

However, it's important to know that you can schedule payments up to one year in advance, so no matter if you are going on vacation or a business trip or whatever your issues may be, you can schedule a payment and not worry about being late.

In order to sign up for a account, you’ll need to provide them with your name, address, phone number, and email, as well as account information for your individual accounts whose bills you want managed through their website.  

Cost/Price Plans

The website emphasizes that their service is free for their members, because the companies to which you pay your bills pay any necessary fees for you.

This allows the service to provide their customers a convenient payment method which hopefully facilitates them receiving their payments on a reliable basis, and on time.

It is important to note, however, that their website does say that fees will apply for same day payments or some credit card payments.

These additional fees should be clear before you submit payment, however.  

Refund Policy

Since this company does not actually charge you fees for being a member or for managing your online bill payments, they do not offer a Refund Policy. They do, however, offer their customers a few guarantees.

The first is for customers who suspect their account may have been compromised and there is a fraudulent charge on their account.

Customers must notify them within two business days of the suspected transaction and your liability will be no more than $50, similar to most major credit card policies.

The second guarantee is for late payments. If you receive a late payment charge up to $50 because a payment arrived after its due date, and you had correctly scheduled the transaction in accordance to their Terms and Conditions, then they will be responsible for your late payment fees.  

Customer Service Contact Info

Customers who wish to contact Customer Service with questions, concerns, or complaints can do so by using your account – they do not provide their contact information to the general public.


Unfortunately this company does have many negative reviews at this time, mostly from people who claim that they have received mysterious charges that they don’t understand, and then they are unable to get good explanations from their Customer Service Team about where these charges came from or why they were applied.

Other customers have repeated complaints about this company submitting payments late and then refusing to cover the late payment fees the way they claimed they would.

Unfortunately, there is no way of knowing whether or not each customer truly followed the transaction process the way they were directed in the Terms and Conditions. 

However, the fact that there are complaints about certain processes and billing practices and no way to contact Customer Service before you are a member is bothersome.

Customers will need to decide for themselves whether or not they are willing to take a risk on this service, with these types of claims recorded.  

Competitors and Alternatives?

There are other online billing and payment services, though it is also important to note that most major banks allow you to set up online bill pay services directly from your checking account.

Additionally, most companies to whom you pay bills will allow you to set up accounts with them directly, though that means you will still need to manage your accounts individually. 

If you have any experience with or their services, please leave your reviews below.

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Late payments arent paid on specified dates.
April 22, 2022

Payment was made to Comcast on Mar. 28, 2022. The payment was already late. Then it wasn't credited until Apr. 1. This is because Mycheckfree sent Comcast a check. If the payment was on time, it would have been credited on Mar. 28.

As a result, services were disconnected on Apr. 1, 2022. We were charged reconnection fees.

Comcast sent us a letter that we're going to get service disconnected on March 30 though we didn't receive this letter until exactly March 30.

Payments aren't made by Mycheckfree on the dates specified for late payments on Comcast and Verizon.

This has happened several times and continues to happen when my payment is late to Comcast and Verizon. I cannot trust Mycheckfree to pay them at the time I specify once a payment is late.

This causes us to double pay at times to avoid disconnection when payment is late. We pay Mycheckfree. They don't credit us right away, so we have to pay directly to Comcast. We can't always afford to do this.

This is a ploy to get more charges out of us for the reconnection.

Not only this, but the Mycheckfree website doesn't allow messages to be sent.

Try submitting a payment inquiry. it responds:

"Payment Activity - Payment Inquiry Failed

The customer service center is temporarily unable to receive messages. Please try to send your message again later."

Try to send them a message on their website. Nope. It doesn't work. This is the response:

"Message not Sent

The customer service center is temporarily unable to receive messages. Please try to send your message again later."

It doesn't matter what time of day or night the messages or inquiries are sent. The website never accepts messages.

I'm giving them 2 stars instead of 1 because they do make it convenient to pay all bills at once if of course, they are all on time.

Reliable for decades
August 22, 2021

I’ve used for over 20 years

I started When paying bills online was not a thing , back in the day when aol was the only online service people used . “ You’ve got mail” It’s been reliable & easy to use all those Years. From then until now , really no big issues .

December 15, 2020

They could not even find a record of my account with them! I do paperless billing for all companies including ComEd and Chase, never have an issue. I was signed up for paperless billing with somehow and when i canned Nicor to change back to paper bills they said they cant that I call mycheckfree.

I call Mycheckfree and they cannot even find a record of any account of mine with them, provided them with same Nicor acct# , and though on my Nicor account i could see and take a screenshot of my billing delivery saying mycheckfree.

So mycheckfree says sorry nothing we can do. I call Nicor back and they cannot change or back either as mycheckfree is a third party site. Keep in mind Myheckfree never did the one job it was intended to do; never sent me a single bill in the entire time of apparently "signing up" for them. BEWARE

Wrong Account
September 13, 2016
After years problem free, I moved the default account. They still billed the previous account. I called them about it as I was charged a fee from my credit union for insufficient funds and the bill is still unpaid. They said the change didn't have enough time to go into effect. My notes say different. After the call they billed the wrong account again and I was charged another fee from my credit union. After the two mistakes mycheckfree managed to find the correct account only to collect $15.00 for themselves and the bill remained unpaid. Which also became late and added a penalty for themselves. After an explanation they removed the penalty and I closed the mycheckfree account and the credit union account.