What is one-time bill payment? What is automatic bill payment? What are the benefits? Is it secure?

I just wanted to know if your regular phone bill payments show on your credit report? I know I can check my credit report for free, I just wanted to know so if it wasn't on there.

May I know how can we make any online bill payment for MSEB?

I use Bank of America for online bill payments. But every bill I pay it takes at least 5 days for the bank to forward the money from my checking account of a positive ballance to a utilities company. I bet a turtle could deliver payments to the utilities in less then 5 days. Please tell me what is your bank and how long it takes to complete the bill payment from online banking from a checking account. Thanks all.