Tired Of Big Bank Games

Wells Fargo's online bill pay stinks.  I've found, that despite what they say on the bankers' end, you have to delete a payee in order to change from a manual pay to automatic pay.  Then, to make matters worse, when you create that payee as new again, it doesn't give you the option of setting everything up going forward AND making a current payment so you have to do it in two steps.  I just did this in this order: delete payee, create same payee as new with a automatic payment, make current payment, go in and edit for begin auto payment for next month (to avoid paying current month twice).  I got a reference number for the current payment then discovered AFTER the bill didn't get paid and I got charged, that the bank in it's infinite wisdom is going by the computer's time table (vs. what I said happened and what would also make common sense) claiming that I deleted the payee AFTER I scheduled the current payment so the payment was deleted with the payee.  Nope, they wouldn't pay the late charge for the bill I thought was paid but wasn't because of their mix ups.  Anyone have a GOOD bank that's easy to use in the Twin Cities?