Yes, I pay my HOA fees via bill pay so they write a check and send it next door via the mail. This is Wells Fargo.

Also, they remove the money when they mail the check… not when it gets cashed.

Mine was that way, but they changed so that it's like a regular check and funds are only withdrawn when the check is cashed. I suppose there might have been some difficulty explaining what they were doing with all the money for the checks that were never presented for payment.