For the last 6 months or so, I've been making payments on my US Bank-issued REI MasterCard account over the phone using their bot. It's worked well, and cut down on the time it takes to get through a call to customer service. Plus, the bot's voice sounds like that moderately-pierced barista with the fabulous smile who made you a perfect latte this morning. Today, she informed me in a friendly way that next month she'll be charging me $10 to make payment by phone (same charge for a phone payment through a human).
It's the same old crap: as with the ATM, the bank will be charging you to take advantage of technology that is drastically cutting the cost of providing services to you.