I sent two checks to a party in payment for an installment. The checks were cashed and my bank paid the money from my account, but the checks had no endorsement or bank stamp on them. How did my bank know where to pay the money? I assume there is a clearing house somewhere, but if there was no bank identification on the checks, how did the clearing house know where to send the money that my bank took from my account?
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Your bank doesn't send money to the payee's account. The payee deposits the checks, which are claims on your account, into its account, and the payee's bank credits that account. Then the payee's bank uses the account routing and number information on the bottom of your check to claim the funds from your account.
In other words, checks pull money from an account. They don't push payments to the payee's account.
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Your bank doesn't send money to the 