text: Go to http://www.bankofamerica.com.  Select the tab at the top of the page for Personal Accounts.  Then select from the dropdown on the left navigation for which state you live in.  Now enter your user ID and password.  Once you've been authenticated in the system, you can review your balances and balance your checkbook (without having to wait for the mailed copy!).  By going to the bill-pay link on the left navigation, you can set up each bill you want to pay.  It's really very easy.  Don't be afraid to jump in and try it!