How to Send a Check with BNY Mellon - Business Banking
Learn how to easily send physical checks using BNY Mellon - Business Banking with Check Supply. Follow this simple step-by-step guide.
BNY Mellon - Business Banking
Trusted financial institution
BNY Mellon - Business Banking is supported by Check Supply, enabling you to send secure, convenient check mailing services directly from your mobile device.
Visit BNY Mellon - Business Banking WebsiteBNY Mellon - Business Banking Bill Pay vs Check Supply
See how Check Supply compares to BNY Mellon - Business Banking's traditional bill pay system
The Bank of New York Mellon does not offer traditional bill pay services or retail banking for individual consumers. As one of the world's largest custodian banks, BNY Mellon focuses on providing institutional financial services including asset management, custody, administration, and treasury services for corporations, governments, and institutional investors. While they provide sophisticated financial services for large institutions, BNY Mellon does not offer checking accounts, personal banking, or consumer bill payment functionality.
Check Supply provides the perfect solution for BNY Mellon clients who need to send physical checks or make payments that require traditional bill pay functionality. We offer superior speed, visibility, and control for mailed checks. We process payments in one business day with same-day print-and-mail capability when queued by 3 PM ET (including Saturdays), provide granular status tracking (queued → printed → mailed), and clearly confirm when the check is deposited. Funds remain in your BNY Mellon account until the recipient deposits the check—we do not place pre-debit holds. The experience is a modern, simple flow similar to Cash App or Venmo for sending checks, and you can connect multiple bank accounts and choose which one to pay from. USPS transit times are not guaranteed by either service.
| Feature | The Bank of New York Mellon Bill Pay | Check Supply |
|---|---|---|
| Physical checks | No — BNY Mellon does not offer retail banking or bill pay services | Yes — we print & mail on your behalf |
| Average processing time | N/A — No retail bill pay service available | 1 business day; same-day print & mail if queued by 3 PM ET (Sat included) |
| When funds are withdrawn | N/A — No retail bill pay service available | Only when recipient deposits the check; no pre-debit holds |
| User experience | No retail bill pay interface available | Modern, simple flow (Cash App/Venmo-like) for sending checks |
| Account flexibility | Limited to institutional BNY Mellon accounts only | Connect multiple banks; choose which account to pay from |
| Delivery time (mail transit) | N/A — No retail bill pay service available | Typically 1–5 business days (USPS not guaranteed) |
| Tracking | No tracking available for non-existent retail service | Granular: queued → printed → mailed + deposit confirmation |
Note: BNY Mellon does not offer retail banking or traditional bill pay services. Check Supply provides the bill payment functionality institutional clients need. USPS delivery not guaranteed.
Save money and time with Check Supply's superior features and pricing compared to BNY Mellon - Business Banking's bill pay system.
💡 Why Choose Check Supply?
No hidden fees, faster delivery, and a seamless mobile experience designed specifically for check mailing.
Step 1: Download Check Supply from the App Store
Download the Check Supply app from the Apple App Store.
Step 2: Enter the Payment Amount
Open the app and navigate to the Pay tab. Type in the amount you want to send and tap Mail My Check.
Step 3: Add Recipient's Details
Input the name and address of the person you wish to send the check to. You can also import this information from your iPhone's contact list for added convenience.
Step 4: Connect Your BNY Mellon - Business Banking Account
Connect your BNY Mellon - Business Banking account securely using Plaid. Your financial information is encrypted and stored only with Plaid; Check Supply never accesses or stores your sensitive data.
Step 5: Optional Memo or Note
Add a memo or note to be printed on the bottom left corner of the check. This step is optional. When you're ready, tap Pay.
Step 6: Review and Confirm
You'll see a confirmation page to review all the details. Confirm and pay for the service. If completed before 3 PM EST on a business day, your check will be printed and mailed the same day.
Step 7: Track Your Check
Under the Payments tab, you can track your checks. Most are delivered within 1-5 USPS business days, including Saturdays.
Conclusion
Sending a physical check with BNY Mellon - Business Banking has never been easier. With Check Supply, you handle everything from your iPhone—quickly, securely, and without any hassle. Download the app today and simplify your payments.
BNY Mellon - Business Banking
Trusted financial institution supported by Check Supply
Frequently Asked Questions
Does The Bank of New York Mellon offer bill pay services?
No. BNY Mellon does not offer retail banking or traditional bill pay services. They are an institutional custodian bank serving corporations, governments, and large investors.
How can I pay bills with my BNY Mellon account?
Since BNY Mellon doesn't offer retail bill pay, you can use Check Supply as an alternative. We provide a modern, simple way to send checks from your BNY Mellon account with full tracking and confirmation.
How does Check Supply reduce uncertainty for BNY Mellon clients?
Check Supply provides step-by-step tracking (queued → printed → mailed) and confirms when the check is deposited, eliminating guesswork about payment status that you would experience without any retail bill pay service.
Does Check Supply hold my money before delivery?
No. With Check Supply, funds stay in your BNY Mellon account until your recipient deposits the check. We do not place pre-debit holds.
What if my payee cannot accept electronic payments?
Check Supply specializes in mailed checks with same-day processing if queued by 3 PM ET (Saturdays included) and provides granular status updates through deposit confirmation - perfect for institutional clients who need this functionality.
How fast will my payment arrive?
Check Supply processes in 1 business day with same-day print-and-mail cutoff at 3 PM ET. USPS transit times are not guaranteed, but this provides much more certainty and speed than having no retail bill pay option at all.
Do I need to keep using BNY Mellon if I use Check Supply?
No. You can use Check Supply independently to generate and mail checks from your BNY Mellon account while still enjoying all the benefits of your BNY Mellon institutional relationship.
Are there fees for using Check Supply with BNY Mellon?
Check Supply charges a transparent per-check fee for printing and mailing, with tracking included. This provides the retail bill pay functionality that BNY Mellon doesn't currently offer.
Routing Numbers
Send checks securely with BNY Mellon - Business Banking through the Check Supply mobile app