BROOKFIELD, Wis. — For the second year in a row, Americanconsumers who go online now pay more bills online than they do bypaper check, according to an annual poll sponsored byCheckFree.

And about three-fourths of American households, about 63.1million of them, pay bills that way now, according to the survey of3,031 online households by Harris Interactive.

The survey found that an estimated 31 million households areusing online banking Web sites to pay bills, 47.9 millionhouseholds are using biller Web sites and 16 million are using bothto receive and pay bills.

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