We create bills on your behalf and ask that you approve all bill payments before they can be deployed. We do not actually write any checks. While we have access to your information, we do not have any ability to spend your money. With a click of a button, you can approve the sending of money to people and companies. The only exception to this is when making payments through Paypal. Paypal does not allow payments to be scheduled.  Thus, we would establish a quota with you on what we could be spent without approval.