Browse through our library, search by title or filter by topic.

Checks are the Leading Offline Bill Payment Method

US households made over 14 billion bill payments last year using offline, online and mobile methods. Fiserv's 2012 Billing Household Survey shows consumers pay bills in multiple ways and many change how they pay from month to month. This survey evaluates bill payment habits of internet-savvy consumers as well as those who use the internet infrequently or not at all. Key findings:

  • 76% of consumers use more than 1 method to pay bills including online payments at bank and biller sites, paper checks sent via mail, walk-in payments made in person, phone payments and mobile payments made via apps or mobile web browsers.
  • 20% change the way they pay their bills each month due to availability of funds, due date and amount owed.
  • Checks are the most popular method for bill payments made offline.
  • Infrequent Internet users rely heavily on checks when paying bills - 75% pay at least 1 bill by check every month.
  • 45% of consumers still carry checkbooks always or sometimes.
  • Mobile bill payments are small but growing. 8% of online households and 3% of non-Internet users paid at least 1 monthly bill this way.

Filter by Topic(select one)

  • ACH Payments

    Who manages the ACH Network? What is same-day ACH and is it mandatory?...

  • Check Imaging

    Are checks going away in the US? What are other countries doing with paper checks?...

  • Receivables

    What are the current trends with consumer bill payments?  How will the USPS changes affect us?...

  • Risk Management

    Is payments fraud on the rise? Where are the highest risks and what can we do?...

  • Payments Infrastructure

    What are the latest scanner introductions? Is a Virtual Environment right for me?...