I pay online but mostly from the vendors’ sites because when I used my bank’s bill pay, things were getting there late. So I’ve set up each company to connect to my checking account. I still have to log in each month (or whatever the cycle is) because, like you, I don’t want things to autopay.
I still use checks for some things, such as the gardener, because I don’t use apps when I can avoid it. And I don’t trust those pay apps. I log in to the sites with a browser.
DS '04 "Boogaboo"
DD '08 "Lilybear"