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My bank will do a straight electronic transfer if it's possible. (I think "possible" has to do with whether the receiver is set up with the Automated Clearing House, but I'm not really sure.) Otherwise it mails a check. If you log in and look it's easy to see which are being paid by which method--obviously the check-mailing takes longer. However they suggest a 7-day lead time, and they have always met that.
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