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Why was my payment made by check this month when it was paid electronically last month?

SunTrust Bill Pay uses a risk-based assessment method to determine how a payment is sent. For example, an out-of-character payment, such as a credit card payment that is significantly larger than any other payment you have made previously, will typically be sent as a paper check.

The method in which a payment is issued can also depend on a variety of other factors, including:

  • Biller specification: Some merchants request that payments be sent exclusively by paper. This can be requested by a merchant at any time.
  • Technical issues: A merchant may be having a communication issue that prevents receiving electronic payments.