Setting up autopay with your various utilities/vendors (i.e. electric bill, garbage bill, home insurance, cable bill, etc.) thru the bill pay portal on your online banking app - OR - setting up autopay on the vendor’s website where you enter your checking account info into their system?

By “more secure” I mean which better protects your account from being hacked or getting fraud against it. I would guess doing it thru your online banking app directly from your account would be safer, but perhaps that safety is an illusion?

There is no 2 factor authentication even.

Everyone knows Routing Numbers, and bank account numbers can be easily found.

I tried to search for an answer on Google, but there's not really a clear answer. Is there any problems with using my savings account for paying my electric bills, credit card bills, etc.? Traditionally, you would use a checking account to pay your bills and for spending, but with the changes to Regulation D, there is not a limit of 6 withdrawals from my bank. FYI, I bank with SoFi's Checking and Savings account. Is there anything I should be concerned about with putting all of my bills to be automatically drawn from my savings account? I figured it would avoid overdrafting from my checking account if I forget to move money into it. I also use the Vault feature with SoFi to easily maintain my emergency fund.

Any insight on this would be helpful! :)