I do have Alliant autotransferring the payment; but I pay everything else on autobill pay. If my bank messes up, they are responsible for it. Many things are electronic transfer using bill pay, these days. I know my mortgage and electric bill are. For the things I can, I want to control the payment. And most of them change monthly or annually (mortgage). The car loan is fixed, so, that's good to go for the life of the loan.
I've never had a problem with monthly auto-recurring pay for my car, or house mortgage since I've been using it in over 15 years. You've never used billpay for anything? I don't use anything else. I used to print off Quicken printer checks back in the day; I think the last time I did that was in 1999. Now I might hand write one or two checks a year now. Alliant, I think, is a cheaper rate, if they pull the money, so I let them do it.