It depends on the type of bill, the options available to you and the fees for each option. Some service providers may charge a convenience fee for paying with a credit card. In these cases, it’s better to pay directly from your checking account. If you regularly have a healthy balance in your checking, autopay can be a convenient way to make sure you’re always on time. If, however, you struggle to monitor your balance, it’s better to set up a reminder in your calendar and make a manual ACH transfer.