I used bpay as a cheque relies on snail mail and would not make...

I used bpay as a cheque relies on snail mail and would not make it in time, if you were posting it that is - also needs a few days to clear. It also depends on what setup you have with your online banking - we use bpay quite often and our bank is aware of that. At this stage I'd say bpay is your only option as the CR closes cob tomorrow.