Payments are issued electronically or via paper checks, depending on the payee’s capabilities. If the payee is not set up to receive electronic payments, a paper check will be generated and sent by mail.
Both electronic payments and paper checks always include remittance information, ensuring that your payee can accurately record that a payment has been received for your account.
In order to expedite your bill payment, the Bill Pay service issues the funds to your payee on your behalf when you schedule the payment. An electronic withdrawal is then setup to come from your account which occurs about 2 business days later.