Understanding when to use your bank's bill pay service versus mobile check sending apps. Each has its place depending on your needs and the recipient's preferences.
| Feature | Bank Bill Pay | iOS Check App | Description |
|---|---|---|---|
| Electronic payments | Direct ACH transfers to enrolled payees | ||
| Physical check mailing | Physical checks sent through USPS | ||
| Works with any recipient | No need for recipient enrollment | ||
| No printer needed | Everything handled digitally | ||
| Same-day processing | Fast processing and mailing | ||
| Mobile app | Send payments from your phone | ||
| Cost per payment | Free | $1.25 | Bank bill pay is typically free |
Bank bill pay excels at regular monthly bills like utilities, insurance, or mortgage payments. Once set up, payments happen automatically without any ongoing effort.
If the company or person you're paying accepts ACH transfers or has enrolled in your bank's bill pay network, this is usually the fastest and cheapest option.
Major utilities, credit card companies, and large service providers typically work well with bank bill pay because they have the infrastructure to receive electronic payments.
Perfect for paying rent to a landlord, reimbursing a friend, or paying a contractor. No need for the recipient to enroll in any system.
Many small businesses, freelancers, and independent contractors prefer or require physical checks. We make it easy to pay them without any special equipment.
If you're traveling, working remotely, or simply don't own a printer, we handle all the physical aspects while you manage everything digitally.
Banks often take 3-5 business days to process and mail checks. We can process and mail the same business day for urgent payments.
Many people use both services: bank bill pay for regular, recurring payments to large companies, and Check Supply for one-time payments to individuals and small businesses.
No setup fees • Cancel anytime • Works with any US bank