I wanted to know about EFT BT...if you write a $9,000 check...the bank "MAY" place a HOLD for 3-5 days on it...if it is an EFT...IT IS CASH LIKE MY PAYCHECK EFT... I just didn't want to WAIT... I just wanted to do a payment ON-LINE for other credit cards immediately... BT THE HARD WAY...but still a BT...