On the forms to open a checking account, automatic bill paying is often the default option, with a box to check if one wants to opt out. This is an example of a:

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This is an example of a nudge, which is a concept in behavioral economics where choices are presented in a way that influences people's decisions. By making automatic bill paying the default option, it encourages people to stick with it unless they actively choose to opt out.

On the Forms to Open a Checking Account, Automatic Bill