We are getting ready to switch bill pay systems and this new system will not have access to verify or pull funds out of our members’ accounts prior to sending the item. So, if a check is sent to the merchant, it contains our member’s information and will clear the member’s account just as if he/she had written the check. However, since there is no signature on the item would this cause it to be a remotely created check? My concern is that logging into a system associated with your financial institution and requesting a bill be paid is different that calling a merchant and having them create a remotely created check after phone verification to withdrawal the funds. Does not having the member’s signature always cause it to be a remotely created check?
Thanks for your help!