Bill-pay check image integration

A treasury management system (“TMS”) operated by a drawee bank, the TMS comprising a computer system configured to:

• receive payment information from a bill-pay vendor;
• associate the payment information with:
• a first check service;
• and
• an identifier corresponding to the bill-pay vendor;
• receive a check image;
• extract a plurality of payment attributes from the check image;
• if the payment attributes correspond to the payment information:
• apply the first check service;
• and
• embed the identifier in the check image;
• present to the payer:
• the check image;
• and
• a second check service;
• and
• in response to an input of the payer, apply the second check service.

One or more non-transitory computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system at a drawee bank, perform a method for electronically coordinating a flow of payments from a payer to a plurality of payees, the method comprising:

• receiving a digital image corresponding to a request for a transfer of funds from the payer to one of the payees, the request issued by a bill-pay vendor;
• presenting the request to the payer;
• and
• in response to a selection of a payer, removing a restriction on the transfer of funds to the one payee;
• wherein the funds are accessible to the payer until the funds are transferred to the payee.