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I have USAA, and yes, this is exactly what they do (for some payees; others are actually electronic). My bank statement treats it as a check, and they have scans of the checks written this way. It's a bit of a surprise, because I'm writing checks that are numbered 200 or so, and the bank's Bill Pay uses checks numbered 900000 and up.

I don't care (much), because the bill is still paid, right? (Granted, it takes longer when they mail the check than when they do the electronic thing.)



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