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How do the payments that I make through First Family Federal Online Bill Pay get to the payee?

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How do the payments that I make through First Family Federal Online Bill Pay get to the payee?

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For the merchants who are equipped to receive electronic payments, Online Bill Pay will send your payment electronically; the software requires a lead time of two business days to pay a bill. Most payees, however, are not yet able to accept electronic payments. In these cases, Online Bill Pay creates and mails to the payee a paper check drawn on your account. The lead-time to pay these merchants is four business days.

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