BANK OF AMERICA, INC ONLINE BILL PAY SERVICE Internet

The biggest issue with Bank of America posting your check against your account on the day it is schedulded for delivery instead of when it is actually deposited by the recipient is that it is FRAUD (in my opinion) because they are stealing from their customers-they are stealing the float at a minimum and possibly stealing the whole amount in the case of a never-deposited payment!  I have on more than one occasion had the recipient of a paper bill-pay check not deposit the check at all. The only way you would know this is if the person/company actually tells you they have not deposited the check. Like if it's to pay a bill for services, the business will likely let you know in one way or another that they didn't get the payment.  For example, I just got a paper bill-pay check back for $573 that was deducted from my account on January 10 (date I asked that it be deliverd) and returned to me by the company undeposited on February 5. So I have the undeposited paper check that BOA sent on my behalf and immediately deducted from my account but also had to pay the bill immediately with a credit card so that my insurance wouldn't lapse (after much begging).  So 32 days later, I am out $1,146 for a $573 bill until BOA "voids" my paper check. Good thing it's not my last $1,146! 

 But if you just felt like sending $500 as wedding gift to your nephew and he never got the check or cashed it, Bank of America would have YOUR $500 "forever".  Because your account would have been charged on the date you wanted the check delivered and BOA would conveniently never let you know that your nephew didn't get it.  At a minimum, if your nephew holds the check for 3 months, you've lost the access to those funds for 3 months.  But guess who got to put that money to use?  BOA!  It's brilliant on their part!    

  If the money is in your account and you deduct it in your check register on the day the check is issued, who cares when it actually posts?   If you're not trying to game the system, it doesn't matter.  The balance in your check register will always be the correct balance.  How can the bank possibly benefit from this?

No question about it funds should be available when you isue a check or schedule it.  But there is no rhyme or reason to it at Bank of America using online Bill Pay.  Some checks funds are withdrawn from the account the day the US postal service is scheduled to deliver the check.  Regardless whether it is presented for deposit or not.

Usually this happens when you have other checks scheduled next business day.

Other times the check is not withdrawn from your ledger balance until it is presented for deposit.  It all depends on the payee.  There really is something wrong with their online banking bill pay when it comes to issuing checks to vendors.   Some are deducted off your ledger balance the day they are suppose to get the check regardless if the check was cashed or not , other times its not deducted until it is presented for deposit.

I understand what your saying, but trust me THERE IS SOMETHING WRONG WITH their system , and it works in their favor!!!!

" if funds are going to be withdrawn the day the vendor gets the paper check than fine.  But it really should be when the payee presents the check for deposit."

  It appears that you are attempting to "float" checks that are issued from your account.   Back in the days when everything was done manually,  this was possible.   Nowadays, with electronic check processing it's virtually impossible to do it consistently without running into trouble.

  There should be no question about when the funds to back a check should be in your account.   The law in most jurisdictions is that the funds should be in the account when the check is issued.  Issuing a check without the funds to back it is illegal just about everywhere.   Trying to guess when the check will hit your account is a losing proposition these days.