Ok...I didn't read the bottom half of the posts so if someone mentioned this already overlook it.
We were looking in to ways to verify checks at a local business we had. We found a company offering a credit card merchant account with a check verification system. With that system if someone writes a check, instead of putting it in the bank to wait on funds, you could scan the check and give it back to the customer. If automatically debited their account instantly for the check amount.
There may be an online biller that uses a system like this and if so they should. Because your funds are debited instantly there is no risk of no funds. And with it they deposited the amount in your bank account just like credit cards, 2 or 3 days later.
Hope that helps.
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