Hello Al,

On Fri Jan 13 2023 10:57:16, you wrote to Daniel:

 Al> I don't use paypal or any service to send money. I can email funds out
 Al> to others from my banks website. There is no charge to me or the
 Al> recipient.

 Al> Cheques are not a bad thing, they just aren't used much any more.

If you pay a bill via your bank's website, you are not emailing funds. Your 
bank is more than likely still sending a check (whether plain or digital) to 
the recipient of the payment. Banks have just eliminated the need for customers
to write out the checks themselves.

Regards,
Nick

... "Take my advice, I don't use it anyway."
--- GoldED+/LNX 1.1.5-b20220504