The "pay by bank not enabled" message should only appear when you select the bank account as the payment method, not when you select the Bilt MasterCard with Bilt Protect ON. Could you try to set it up the Bilt Protect feature again?

To enable BiltProtect on the Bilt Website once you have authorized a payment:

1. Head to the Pay rent tab
2. Under BillPay for Rent click Edit
3. Select Bilt Mastercard as your payment method and tap the ellipsis [⋮] to turn the BiltProtect Debit toggle 'On'
   
   
   

To enable BiltProtect in the Bilt App once you have authorized a payment:

1. Head to the Pay rent tab
2. Under BillPay for Rent click into your authorized payment amount
3. Then hit edit and enter in your authorized amount again
4. Select Bilt Mastercard as your payment method and tap the ellipsis [⋮] to turn the BiltProtect Debit toggle 'On'

You'll know BiltProtect is enabled when the toggle turns green. To disable BiltProtect, tap the toggle again - The feature is disabled when the toggle turns gray.