Thought I was paying a utility bill to the city in which I live. The web site fooled the Hell out of me. I honestly thought it was the utlites web site. I went on line and paid the bill. At the end I thought it was strange they were charging me $2.99 for paying via check on line. But it was due the next day and my wife was in the hospital so it needed to be taken care of at 10 PM the night before. Today we received a notice that the bill payment was late (by 10 days) and we owed a late fee. I am pretty savvy but they fooled me...shame on me. They made money, I lost money twice by paying and then the late fee. DO NOT USE THEM. It is as close to a scam as you can get without breaking Federal Laws.