As much grieve as I give banks and credit card companies today I experienced the easiest online system ever, bar none. I have my mortgage and my checking account with US Bank. They’ve been my mortgage company for ~6 months now and I always went into a local branch to make my payment (i.e. transfer from checking) because I was told by my closer that she had US Bank and they charge $15 for an online payment, sorry but on principal alone I wasn’t paying an extra $15. Anyways today I log into my banking and notice a “make payment” button under my mortgage. I click it, it “knows” I have a checking account and prompts to enter any additional payment amount. I click submit, it then wants a confirmation submit button clicked. BAM, I’m done. 3 clicks to make a payment. I didn’t have to create a new account, verify my account number, add my checking account as a payee account or any of the other crap that some banks make you do (Remember banks make money when your late with payments, it’s in their best interest to make the online experience a bad one). This is how it is suppose to be done. Somehow the engineers at US Bank figured out how to integrate a checking system with a mortgage system, something I know Bank of America has no clue how to do.