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When you use a bank's bill pay service, the way funds are deducted depends on how the payment is processed—either electronically or via a paper check. Here's why the balance might be deducted before the recipient receives the payment:

1. Electronic Payments

For payments processed electronically:

• Immediate Deduction: Banks often deduct the amount from your account on the scheduled payment date. This ensures that the funds are available when the bank sends the payment to the recipient.
• Timing Variability: The recipient might not see the funds instantly, as processing times can vary depending on the recipient's bank.

2. Paper Check Payments

For payments sent as physical checks:

• Funds Set Aside: The bank may deduct the amount immediately and hold it in a separate account to ensure the check clears once cashed.
• Check Delivery Time: The recipient has to wait for the physical check to arrive and deposit it, which can cause a delay between the deduction and when the recipient gets the funds.

Why Banks Do This

• Prevent Overdrafts: Deducting funds ensures you have sufficient money for the payment.
• Ease of Tracking: It simplifies record-keeping and lets you see the transaction immediately.
• Bank Policy: It's part of their payment workflow and risk management.

If you're concerned about the timing, it may be worth checking with your bank whether they use electronic transfers or mail physical checks for bill pay services.