[skookumchuck]

I've been going back to written checks lately because of huge timewasting problems with electronic billpay systems - problems like the bank says they transmitted the money go talk to the vendor. The vendor says they never got it, go talk to the bank. Around and around and around.

In the past, I'd wave around the cancelled check and resolve it quickly. With ebanking, it's hours and hours on the phone and sitting in the bank manager's office refusing to leave until they deal with it.

With that particular one, I eventually made the bank issue a "clawback" on the funds they transmitted. Wonder of wonders, this caused the vendor to find the money they'd received :-)

[sleet]

Sorry to hear your woes. Most inter-bank transfers are settled within the hour here. Overnight at most. Hopefully your systems improve.

[lotsofpulp]

I've never had a problem with Bank of America bill pay in the decade plus of using them. Never had to write a check in my life or have a checkbook. You just put in the name and address of who you want to pay, the amount, and BoA mails a check to them.