Comment Re:US bank account (Score 1) 183
The way most US online bill pay systems work is that they put both mechanisms (electronic and mail-a-check) behind the same user interface. You tell them who you want to pay, they look it up in their database. If it's someone they've got electronic info for then they just ask for the account number and it goes through that way. If it's not in their database then they ask you for the address and mail a check. Generally speaking, payments to other banks, credit card companies, major utilities, etc will be electronic, while those to small businesses like Joe the guy who mows your lawn will probably fall back to mailing a check.