Abstract: A computer-implemented method for collecting bank account information from an individual and authenticating the individual prior to allow the bank account to receive an electronic fund transfer, comprising providing a website; allowing the individual to obtain a password protected user account at the website; allowing the individual to sign on at the website using credentials previously obtained; allowing the individual to enter banking information to which funds will be transferred; delivering application forms with a unique bar-coded identifier over the internet to the individual: receiving and storing the application forms after being completed by the individual via a fax and linking the bar coded identifier with the individual's payee record; visually comparing by at least first and second customer support representatives information provided on the forms with information provided at step d) to verify the identity of the individual; and validating payment to the individual if the individual's identity is