How do I know if my Bill Pay payment will be electronic or paper?

We send electronic payments to billers that accept them. For companies that don't accept electronic payments, we send a paper check by U.S. Mail, which takes more time to deliver and process.

You can determine which type of payment will be sent based on the available payment dates displayed in the scheduling calendar when you set it up. If your first available payment date in the scheduling calendar is:

  • Two business days away or sooner – the payment will be sent electronically.
  • Five business days – the payment will be sent via paper check.

Additional Information

Safe Debit Accounts can only be used to pay billers listed in our system that accept electronic payments. Express, future-dated and recurring payment options are not available for Safe Debit Accounts.