Does Mint have integrated bill pay?

In their own words, "Mint is a ?read-only? service."

Mint, as it is now, doesn't do *anything* except track your account balances, and display the results in graphs etc.

You don't pay bills with it, or otherwise manage your money with it. You just get to look at it all in one place.

So not very useful to anyone who needs hard records over a period of years.

tmp is saying that you can't pay bills, transfer funds, etc.

It keeps records, but that's all.

Don't forget, MINT is still MINT at this point. It is going to be interesting when then first MINT/Quicken Online is presented for beta testing. It HAS to be better than the old QOL. I think the original idea behind MINT was kind of a facebook financial site. They also pride themselves on the fact that you can't log into your accounts from MINT as a security feature. Personally, I think that is a good thing.

What do you mean "you can't log into your accounts?"

Of course you can. How do you think Mint accesses your FIs' records?

Well, Mint goes to your account and extracts a report (that is why they are called a consolidator) . If you have a Yodlee account, you can click "Login to my account" and it will take you to the FI account. Mint.com does not allow that. So if someone does get your password and login ID, they only get to see which FIs you deal with, the balances, and the transactions. They can't use Mint as a doorway to get to your bank and send money.

Hence, Mint is only a read only service.

But, take that same information directly to the FI website and all kinds of havoc can be wreaked.

If Mint can access my account, I don't understand why someone who hacks into Mint would not be able to access my account.

EXACTLY!!!

LOL Yes, if Mint can access your account and someone can get through enough layers of encryption and security, they too could access your account. It would be far easier for them to hack into your bank directly, however. Breaking an encrypted system is not like reading an email in plain text. I am sure there are system administrators at Mint who could log in and read your login and password. If I was going to try to get into your account, I can think of a couple of interesting ways to get your password or get your password reset to something I know rather than try all the techie, hacking approaches. Most hackers are like the kid that goes up to every door in an apartment house and checks to see if it's locked. If he gets in, he is NOT a master criminal.

I use MINT because I can see my daily transactions for all my accounts at once. I am searching for the unusual or unauthorized transaction and Mint makes it easy to track all my accounts at one place. This is like my house alarm. Yes, the alarm company knows when I am not at home and knows how to get past the alarm but the security they provide far offsets the risk they pose. The same with Mint.

Take my bank name and the amount of money I have in it and what are you going to do with it? How can you wreak havoc with that? You don't have my name, the account number, the login, the password..... Kind of like finding the printout of an Excel spreadsheet with bank names and dollars next to it. What can you do with that?

We're not talking "bank name and the amount of money," we're talking logon information (i.e. logon name and password).

The login information is encrypted. There are two ways to get in. The regular "hacker" who somehow gets your login information to the Mint site. This is your biggest risk. He/she can't do anything with the information because he can't login to your FI from Mint, he does not know your account number, he does not know your login information for the FI.

You are concerned that some super hacker is going to override the Mint.com security, crack the encryption, harvest your information, and THEN log into your bank accounts. I find that to be a pretty obscure threat and it should be one of the reasons you monitor for unauthorized activity on your account at all times.

You appear to be connected to an Internet that's far more secure than my Internet.

How do I join?

Just a matter of reading the facts, lol