Final answer:
Option B, 'If you pay by check, you will have a record of your payment' is NOT an advantage of online bill payment because having a payment record is also a feature of traditional check payments, not unique to online transactions.
Step-by-step explanation:
One of the advantages of paying bills online is that it can provide significant convenience and cost savings. However, the question asks for what is NOT an advantage of online bill payment. The correct option is B: If you pay by check, you will have a record of your payment. This option is not an advantage of online bill paying specifically because you also have this record when paying by check in the traditional way through mail. Online bill payment advantages include saving on postage (option A), saving on bank fees for written checks (option C), and the ability to pay bills from anywhere, such as while on vacation (option D).