I've made so far 8 auto payments online and i would say almost half (4 times) of the times it goes without a problem. The problem isn't so much with the actual transaction as it is to simply sign in! I sign in and then i get the,"ally auto isn't available right now. We'll have things back up as soon as possible. Thank you for your patience. " so of course i now have to wait until the next day or continue to check throughout the day. Not a way to do business in the 21st century! I would definitely not bank with them if this is the service, lack of, that i have to go through for just the auto payment.
The level of expertise to use online banking is very low. The online banking is very easy to use and manage.