Why would you not want do autopay and paperless billing? I have for years; its great. First off I have it charged to a credit card that I pay off monthly and get 1% cash back on. So for my roughly $120 a month bill time 12 months I get about $14 cash back each year plus I do not have to buy close to $6 a year in stamps to mail the bill each month. I also never have to worry about late fees as the bill is just handled. Then what is my time worth. So to not do paperless billing with autopay you would be giving up about $14 a year in free cash, paying $6 a year for stamps, and paying another $10 a month for service for a total of around $140 a year. I guess you just have a lot of time on your hands and really like writing checks and buying stamps.