Client Review on Bank of Internet USA

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AT YOUR OWN RISK BILL PAYNot happy with their Bill Pay service. They tell me once check is mailed out from them, they are no longer liable. So their client absorbs all the risk. They do offer a 20-30 stop check service fee. They tell me that checks are mailed us postal and they do not provide a tracking number. Why not leave that up to the client if they would like to pay few bucks for tracking instead of offering not protection on checks that could be very large sums of money. So now they tell me I need to pay their stop check fee and there is nothing they can do more. It's time to stop using Bill Pay. Why do they even offer this free service is beyond me. Another thing, why does it take so long to mail a check?