It would seem Wells Fargo cannot figure out how to easily allow their users to make payments on their mortgage.
Check out the screenshot below:

Screenshot of Wells Fargo Mortgage screen, with confusing links
The first arrow points to “Bill Pay” and the second points to “Make a Payment.” Bill Pay. Make a Payment. These two links are the same, and go to the same place… right? Wrong.
The frustration begins right after you login. The Accounts home page includes the navbar with “Bill Pay”, but “Make a Payment” is nowhere to be found. When you click “Bill Pay”, you are immediately faced with a red error message:
Thank you for your interest in Bill Pay. To use Bill Pay, you must have a valid checking account…
Excuse me? I do have a “valid checking account” at another bank. That’s where the money is, buddy. I wonder, perhaps I need to enter this checking account info somewhere so the system realizes I have a valid checking account, but there’s no form for that either. Suddenly it dawns on me that they mean I need to have a valid Wells Fargo checking account. Why should I open an account with them if I already have one elsewhere?
Here’s the kicker, though: I know I submitted a payment last month online through this website. How did I do it? I click everywhere looking for a solution, and when I navigate to the Account Details page (shown in the screen shot), I notice the “Make a Payment” link in the middle of the page. This link takes me to the page I’m looking for, asking if I’d like to make a payment from a non-Wells Fargo bank. Here we go. Within 30 seconds, I have made my mortgage payment, thanks to the site remembering my info from last time.
Too bad it took me 10 minutes to find the page!
What a frustrating experience. The link to make these online payments is not on the home page when I log in, which is crazy. Instead, their own (useless to me) Bill Pay option mocks me from the main navigation. However, on the home page, next to my mortgage account info, is a heading named “Related Activities.” Is paying the mortgage not one of these activities?
This is a example of a site making two classic mistakes: not designing with the user in mind, and poor information scent. One of the main reasons to access your mortgage information online has to be to make an online payment. Why this link is not included on the Account home page is a mystery. As far as the “Bill Pay” vs. “Make a Payment” confusion goes, Wells Fargo must know these two options both sound the same and would seem to offer the same service. It would be smart to either combine the two pages into one, or rename the links to “Pay with Another Wells Fargo Account” and “Pay with an External Account”, or something as descriptive. At the very least, Wells Fargo must provide links between these two pages for those who make the mistake of going to the wrong one, like myself.