Please tell me you're trolling and not really this ignorant.
Please enlighten me... At wells fargo they have a bill pay system, they tell me that I enter the amount and then they will send an actual physical check by email.
I have no doubt it's a physical check because one of the companies I sent it to lost it for a few weeks, and had to do an "internal search" for it..
This service can send checks periodically, but only for fixed amounts. So I can't pay utilities or anything that varies.
My cable, electric, water, trash, phone, Netflix, credit cards, etc. can all be paid electronically,
I pay netflix and phone electronically using a debit card. Credit card I managed to get the back to setup automatic payment for, but they told me that they had to send an internal fax (in 2014 that constitutes institutional incompetence) and that they couldn't promise it would be setup, and thus recommended that I called back a week later to verify this setup (that was with bank of america).
The I manage to pay my rent electronically (but manually), by giving them my check numbers... So that's also check - just a virtual check.
They do have automatic payment using virtual checks too, but the EULA says things like weird dates where I can't set it up, and specifically says a day of month and timeframe within which they have the system under maintenance, and because of this the system basically has undefined behaviour in that timeframe. That is what is says, not that the system is down, but that whatever I do in that timeframe they take no responsibility for. That's institutional incompetence, that is beyond my understanding.
Oh, my electric company also has some site for setting up automatic payment using virtual checks, but the site is so sketchy and I cannot validate the authenticity of anything. Also you need to keep in mind that the banks zero-liability only covers you if you didn't give authority to transact, if authority to transact was given or implied, there is no coverage regardless of the amount (wells fargo and band of america).
So you signed up for e-billing, which if it's like my local utility, sends you an email every month with an electronic copy of the bill basically saying "Hey, you have $xxx due, log in and pay it by this date". And then...what? Just ignored it or figured you were getting free power?
They did send me an email but the language was unclear and ambiguous... So I decided not to borther with it. And no I never check my account to see what goes in and out, if the amounts are less than 100 USD... I tend to ignore it, when I go through my statement.