A "Check" payment is a paper check sent through U.S. mail. An "Electronic" payment is sent out electronically, however, some payees are not able to accept this type of payment. The Bill Pay vendor and the merchant determine the method of payment.
You can determine the method of payment in Online Banking. From the My Bills & People I Pay screen, click inside the amount field next to the payee name. The date field will show the soonest Deliver By date that the payment can be made. If the payment can be made in 2 business days it is electronic/ACH; if it takes 4 business days the payment is made by check.
There is also a check icon or electronic icon to the right of your payee's name that distinguishes method of payment as well.
