Bill pay sends a bank check which is covered by the immediate withdrawal of funds from the customer’s account. In most cases, the customer would be fine with that or even prefer it, to ensure they don’t accidentally bounce a check.
However, I’m wondering if another customer base can be someone who has bank bill pay but wants to float the funds until the check is cashed. Maybe they don’t have the actual funds yet but want to write a check against funds they expect to have soon (risky but people do it).
Do you restrict writing checks that are for an amount greater than the current account balance?
Lastly, I’m wondering how you handle deliberate check fraud. Victims will try to sue all associated parties. How does your liability work in those cases?