Jack Henry & Associates Inc. is offering its banking customers a guaranteed next-day bill-payment service that uses Federal Express Corp.'s transportation service to deliver paper checks to payees.

The Monett, Mo., banking technology company announced Tuesday that it has partnered with the document management services provider Myriad Systems Inc. of Oklahoma City. Myriad said it also plans to offer the service to other bill-payment processors.

People who initiate payments to recipients that are delivered as paper checks can use the expedited payment service to overnight the checks to payees, for a fee.

Myriad said it expects banks to charge users about $4.50 per payment.