Talk to a real person at the bank.
I've gone more in this direction also. There is protection with the credit card.
I don't know if this is a similar thing, but I sent a check to Doctors Without Borders once and they sent me a letter thanking me and apologizing for the slow posting of the check. It was something on their end, and soon after that my statement showed it was paid. If they didn't send me that letter, I would have never thought about it, I had donated to them in the past. Some checks take awhile to clear and post at the bank, but they always do in the end.
Unlike paying with a credit card that processes instantly & gives you an instant record of what you paid & to who it was paid to. It's paper & paper means someone has to process it. Then because paper is an ancient way to pay processing it takes time.
It's a payment they collected from her. Doesn't matter if it's a check or credit card. It does matter Judy. If she pays with a credit card, there's instant proof that the bill was paid. She would have access to statements proving such for a year or more. When she pays by check, even if her checkbook has carbon copies, she's saddled with the burden of proof that she didn't forget to mail the check or what if the post office lost the check?) It would be her responsibility to try trace it down (good luck with that) and ultimately make good on the payment.
Oh yeah...I meant to agree with you about that part. Some businesses definitely are not as on the ball as they used to be and should be. I don't know if their employees aren't being trained properly, they are short handed or what.
