this post was submitted on 25 Jan 2024
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I think it's closer to that way now. There was incentive to banks in the past to process it differently.
That said, my bank's "pay bills" function still takes your cash out before sending the check, despite the check NOT being a cashier's check when not linked to an e-account. They just refund you in 90 days (or so) if it isn't cashed.