my bank prints out paper checks but they seem to xfer the money through another company. money leaves my bank account, but the checks, when delivered, have a completely different routing and account number. doesn't matter to me, but I had a paper check payment I needed to return and the local branch couldn't help me at all - the floor guy there couldn't even understand my situation. there was an 800 number on the check to call and I explained and they cancelled that check.