Well, it's kind of interesting. The billpay system leverages the fact that most payments for most folks go to companies, and those are all electronic links; t

Well, it's kind of interesting. The billpay system leverages the fact that most payments for most folks go to companies, and those are all electronic links; the checks are somewhat rarer in the big picture and only to small businesses or people. The checks in this case are not "certified" in that they are not a guaranteed transfer; like any other check, they can bounce. But yes, they are printed and mailed, and there is a cost to that vs. the electronic thing. The wire, however, including the account (the routing number can be looked up by your bank; it just saves time if you already have it) is a very specific approach to transferring money in a certified manner. It's older, and has some overhead and history in how it's tracked and managed, if for no other reason than that the funds are guaranteed. As such, there are still fees on it (and that's probably true in most countries, btw, unless you have a balance over a certain amount). Most folks paying their babysitter $40 aren't concerned about a certified transfer, and assume they will have funds to cover the check when cashed, so they don't need to pay any fees and will just do a regular "check". And I would bet that the banks are working on ways to do a better job of making electronic links to reduce their need to print those checks (for example, perhaps if I keep paying my babysitter 2 or more times, the bank could automatically check the clearning house for the deposited check, and, in the future, autonegotiate a direct link with the babysitters bank and account for payment or something clever like that; I don't know if that would really work but sounds cool).