This one is fairly easy. Checks are sent via USPS, so they either got lost in the mail or your landlord was holding them hoping to get you to send it another way. The latter is less likely but you note your LL better than we do. If that’s the only bill payment you have had issues with, it’s most likely the LL. But with anything that is sent via the mail, it can arrive or it cannot. Once it’s sent though, bank has no information on it until it is returned to sender or negotiated. Answer from Zealousideal-Mud6471 on reddit.com
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Bank of America
info.bankofamerica.com › en › digital-banking › online-bill-pay
How Online and Mobile Bill Pay Works - Bank of America
First-time Bill Pay users will need to enroll in Online Banking and accept Bank of America's Online Banking terms and conditions. Once you have enrolled, log in to Online Banking and select the Bill Pay tab (you will also be asked to accept the terms and conditions associated with using Bank of America's online Bill Pay).
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Wells Fargo
wellsfargo.com › online-banking › bill-pay
Online Bill Pay - Pay Bills Online - Wells Fargo
Pay your bills online with Wells Fargo’s Bill Pay service. It’s quicker and easier than writing and mailing paper checks.
Discussions

What is Bill Pay, really?
This one is fairly easy. Checks are sent via USPS, so they either got lost in the mail or your landlord was holding them hoping to get you to send it another way. The latter is less likely but you note your LL better than we do. If that’s the only bill payment you have had issues with, it’s most likely the LL. But with anything that is sent via the mail, it can arrive or it cannot. Once it’s sent though, bank has no information on it until it is returned to sender or negotiated. More on reddit.com
🌐 r/TalesFromYourBank
56
48
October 14, 2024
Should I be using bill pay instead of submitting payments though the payee's web-site?
Bill pay is reliable. It will be easier for you. No chance of forgetting to pay a bill. But, paying individual bills through the various vendor websites is by no means difficult or time consuming. Do it whichever way you want to. Try bill pay for a while with a bill or two. If you like it, add more. If you don’t like it, then get rid of it. More on reddit.com
🌐 r/personalfinance
36
23
May 28, 2021
Pros and Cons of using Bill Pay?

pros: if payment is late or not recorded properly, the Bank contacts the payer on your behalf.

More on reddit.com
🌐 r/personalfinance
11
1
August 30, 2017
YSK: The "receive by" date that your banks bill pay system gives you is almost never when the check will actually be received.
Pretty sure this depends on the bank you have. Whenever I've done checks through my bank's bill pay they show up exactly on the day that they say they're going to. More on reddit.com
🌐 r/YouShouldKnow
16
75
December 23, 2021
People also ask

What is Bill Pay?
Bill Pay is an online service that allows you to pay your bills through Bank of America's Online Banking. You can set up one-time payments, schedule future payments or create recurring payments from your checking, money market savings account, SafeBalance Banking account or from your Home Equity Line of Credit.
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info.bankofamerica.com
info.bankofamerica.com › en › digital-banking › online-bill-pay
How Online and Mobile Bill Pay Works - Bank of America
What is a Pay To or a Pay From account within online bill pay?

A Pay To account is a business or individual to whom you will be making payments. A Pay From account is one of your accounts, either personal or small business, from which payments are sent in order to pay that business or individual.

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info.bankofamerica.com
info.bankofamerica.com › en › digital-banking › online-bill-pay
How Online and Mobile Bill Pay Works - Bank of America
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U.S. Bank
usbank.com › online-mobile-banking › bill-pay.html
Bill Pay online - Easy, secure payments | U.S. Bank
December 4, 2025 - Easily manage monthly bills with U.S. Bank Bill Pay. View, track and pay all your bills in one secure place, using our top-ranked online Bill Pay service.
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Chase
chase.com › education center › personal banking › banking basics
Bill Pay Service: An Overview | Chase
April 20, 2022 - A bill pay service feature is a convenient way to view, schedule and pay your bills all from your computer or mobile phone. Learn more about this service.
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Central Bank
centralbank.net › personal › mobile & online banking › bill pay
Online and Mobile Bill Pay | Central Bank
Pay your bills from the convenience of your smartphone, tablet, or computer with Online and Mobile Bill Paydisclosure 1. No more dreading the “bill paying” each month.
Find elsewhere
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Synchrony
synchrony.com
Credit Cards, Financing, Marketplace, Banking & More - Synchrony
Get access to credit cards and other ways to pay over time nationwide, online, or at local businesses.
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PeoplesBank
bankatpeoples.com › home › business › cash-management › online-mobile › bill-pay
Cash Management Bill Pay | PeoplesBank
Save time and money with Cash Management Bill Pay. View and pay bills online, receive and pay bills electronically, set up one-time, recurring or future payments.
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NerdWallet
nerdwallet.com › banking › learn › online-bill-pay-what-it-is-why-you-should-use-it
Online Bill Pay Service: What It Is and Why to Use It - NerdWallet
November 7, 2025 - Online bill pay lets you make individual or recurring electronic payments from your bank or credit union. Here’s how to set it up.
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Cb
cb.bank › home › online bill pay
Bill Pay | PA & WV Online and Mobile Banking App | Community Bank
Pay your bills from anywhere in PA or WV, at anytime, from any account with Community Bank's bill pay in our online and mobile banking app. Enroll now.
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Reddit
reddit.com › r/talesfromyourbank › what is bill pay, really?
r/TalesFromYourBank on Reddit: What is Bill Pay, really?
October 14, 2024 -

What's with Bill Pay?

Here's the story: I used my local bank's Bill Pay service to pay my rent for years. All good, until it wasn't.

Landlord at several points requested I use Zelle, but my bank's relationship with Zelle would not permit sending from business account, only personal. Because the lease was in the name of my LLC, I wanted to keep transactions separate even though I suppose because of the LLC, it wouldn't ultimately matter to the IRS. But there it is.

Some time during 2022, Landlord texts to say he hasn't received rent check. I check with the bank. "Yes, it was sent and yes, we deducted the amount from your account. Sometimes we deduct the amount whether the money has cleared or not, but that's the way it is."

OK. Grrrrr. I'd LOVE to hear the facts on this from Reddit banking pros, please.

Flash forward to 2023. Same issue with rent check not received by Landlord. Same convo with bank. Cancel and reschedule payments. Nothing gets to the Landlord for 3 months despite my online / telephone efforts.

Eventually, I deliver the back / and next month's rent in cash to Landlord.

Bank says it's definitely NOT their fault. AGAIN: Bank Pros please weigh in.

I suspect that the Landlord was setting me up to get me out of the space "for cause" since I later learn he had another tenant in the building willing to take my space at the significantly higher rent he was asking for.

Loved the space. Had been there twenty years. Moving was going to suck, but...glad I'm out of there.

As of the end of this year, I will have severed all ties with that bank AND the Landlord.

Help me understand it from the bank's perspective.

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Bank of America
info.bankofamerica.com › en › digital-banking › manage-your-credit-card-account
Manage Your Credit Card Account from Bank of America
You can pay your credit card in Mobile or Online Banking, at a financial center or ATM, by phone, or by mail. Select “More Information” in the “pay your credit card bill” tile for additional details.
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Associated Bank
associatedbank.com › personal › digital-banking › bill-pay
Pay bills With Associated Bank Digital
Pay one-time and recurring bills safely and securely with one password, on all your devices.
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Huntington Bank
huntington.com › personal › online banking › bill pay
Set Up Online Bill Pay | Huntington Bank
All you need is a Huntington Checking Account with Online Banking. If you're already a customer, simply log in to Online Banking and visit the Bill Pay tab.
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Citizens Bank
citizensbank.com › customer-service › faqs › mobile-and-online-banking.aspx
Online Banking & Bill Pay (FAQs)
Under the "Pay Bills" tab, you can select "Payment History" to review details on all your past payments. You can review up to six months of past payments to your payees and determine the status of a particular payment. ... You can pay almost anyone in the United States: national bank card companies, mortgage or auto loan companies, department stores, your health club, the paperboy.
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PNC
pnc.com › en › small-business › banking › online-business-services › online-banking-and-bill-pay.html
Online Banking and Bill Pay | PNC Bank
All online banking services are subject to and conditional upon adherence to the terms and conditions of the Digital Services Agreement. Online Bill Pay is a service within PNC Online Banking that is available for residents within the US who have a qualifying checking account.
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Capital One
capitalone.com › learn & grow › money management › how does online bill pay work?
Online Bill Pay: How It Works and Why Use It | Capital One
To use online bill pay, you provide your bank with the information for the service provider you want to pay. You indicate the amount to pay and, if it’s a recurring payment, the schedule to follow for payments.
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Royal Bank
royalbank-usa.com › mobile-and-online › mobile-app-and-online-banking › bill-pay
Bill Pay | Royal Bank
Bill Pay is a convenient and free way to pay personal bills or friends and family right from your Royal Bank checking account.
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Bankofadvance
bankofadvance.com › services › billpay
Bill Pay - Bank of Advance
Pay a person or pay a bill through Bank of Advance Online BillPay to save time and money.
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California Bank & Trust
calbanktrust.com › personal › digital-banking › bill-pay
Digital Banking with Bill Pay | California Bank & Trust
Bill Pay is a highly popular feature and includes faster payment processing and greater control over when your bills are paid. Pay select payees the same day (a fee may apply; available for select payees only) Get eBills from many payees and the option to set up automatic payments ...