That's what we have with TFCU. I'd have to go without the interest (or the bigger interest rate) on my personal account since I don't have anything to use Bill Pay with on a consistent basis. I only use Bill Pay when ordering through BudsGunShop so I can score the cash discount. Not something I do monthly.
they have removed most of the requirements for the click checking and you still get the 3.5 or so %