[MichaelApproved]

I’m curious, what’s an example of a “neo bank” that you say doesn’t offer bill pay? I’m sure they exist, just wondering who they are.

Bill pay sends a bank check which is covered by the immediate withdrawal of funds from the customer’s account. In most cases, the customer would be fine with that or even prefer it, to ensure they don’t accidentally bounce a check.

However, I’m wondering if another customer base can be someone who has bank bill pay but wants to float the funds until the check is cashed. Maybe they don’t have the actual funds yet but want to write a check against funds they expect to have soon (risky but people do it).

Do you restrict writing checks that are for an amount greater than the current account balance?

Lastly, I’m wondering how you handle deliberate check fraud. Victims will try to sue all associated parties. How does your liability work in those cases?

[gruez]

>However, I’m wondering if another customer base can be someone who has bank bill pay but wants to float the funds until the check is cashed. Maybe they don’t have the actual funds yet but want to write a check against funds they expect to have soon (risky but people do it).

>Do you restrict writing checks that are for an amount greater than the current account balance?

There's no reason to. You can already write a check for more than your account balance. The service also generates the checks using your account number, so they're not taking on any credit risk in case your account is overdrawn.

[lxgr]

> Maybe they don’t have the actual funds yet but want to write a check against funds they expect to have soon (risky but people do it).

It's not risky at all when using "overdraft protection" via a linked savings account.

And why would I want to not receive any interest while a physical object representing the payment (I'm still not over how bizarre that is in 2025!) is making its way to the payee in the mail?

[pfista]

Varo is one. But even the ones that do support it like "Chime" have online comments like this:

"Chime is great for everything else, but their check features are absolute trash and will cause you frustration. Just don't do it and find another option."

> Do you restrict writing checks that are for an amount greater than the current account balance? Lastly, I’m wondering how you handle deliberate check fraud. Victims will try to sue all associated parties. How does your liability work in those cases?

That is one of our fraud signals. We have systems in place to review payment amounts, address, frequency, etc that can cause additional KYC checks to be preformed via Plaid before we'll send the check.