Problem when making payments: Credit card

The problems I have experienced include : My checking account could not be added as a payment method even though I entered the correct routing and account information. My bank is a small local institution, and their system would not accept it. I do not receive paper statements, so I can not mail a payment. The website and mobile app do not provide a working option to pay by debit card. Ironically, after spending considerable time on the phone with customer service, their own technical support representative incorrectly told me that paying by card through the app was available. As a result, the only practical method left to make a payment has been to spend an excessive amount of time navigating an automated phone system before eventually reaching a live representative.