Bill pay doesn't work through my app and I have had two late fees that have resulted from this issue even though BofA has all my bank information already I am directed to set up my bill pay and when I do a small screen from above drops down in black stating that I have already given that account and instructs me to create another but I do not have another. Until this issue is resolved I am very displeased with the apps performance. Ps I can't pay over the phone because I canceled my service