Hello Al,

On Sun Jan 15 2023 14:04:20, you wrote to Accession:

 >>> 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 customer to write out the checks themselves.

 Al> The info travels by email. Banks still record everything as always,
 Al> but no cheques are involved.

Maybe not where you bank. If I click the "view payment" button of something I've already paid on my bank's website, it shows me the exact check that was sent to the billing party. *shrug*

When you setup a "bill pay" account of a billing party, if they're not recognized by the bank or in their list of institutions, they will be mailed a check by the due date. If the party is recognized by the bank, it will be digitally/electronically transferred as you say. I guess that list would probably vary at each bank.

Regards,
Nick

... "Take my advice, I don't use it anyway."
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