Offer your thoughts or opinion on the input financial query or topic using your financial background.

Why do banks encourage me to use online bill payment?
The paper check method also allows the bank to use your money while the check is in the mail.   My bank debits my account immediately, so while my $100 utility bill is traveling the U.S. Postal System for two days, they can make use of my $100 in whatever slush fund they like.