Correct, I do not bank (checking/savings) with Citibank, so I pull money from my account using Citibank's portal.

I like ataying ahead of things and becaise using online bill pay is so easy, I often schedule multiple payments a week to keep my balance at $0.

Much easier to do with Chase since as soon as the card is charged, I can set up payment for that day. Citibank, I have to come back a few days later and pay it once it posts.