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If you pay bills with a paper check, do not rely on the delay between the date the payment is credited and the date the funds are actually deducted from your bank account. Your checks could be processed electronically, so you must have the funds available in your account as of the day you write the check. The next time you write a check to your local merchant, the cashier may hand it back to you after the payment has been processed – electronically. Or maybe you’re mailing a check as payment to a company. That payment, too, may be processed electronically. Why? More merchants and companies are using electronic check conversion, which converts information from your paper check into an electronic payment from your bank account.



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