How will my account be affected if the check I mail for payment does not clear my ban
 

Payment will be reversed off of the account back to the effective date of the payment. The tax billing system will automatically apply any penalty, interest and costs as if the payment was never made.

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How will my account be affected if the check I mail for payment does not clear my ban
 

It can take over 24 hours for your bank to process the transactions and for the deposit process to be completed. Banks often refer to instant deposits as memo posts or pending transactions. This information is recorded in your account as a deposit or payment and is pending until funds are secured.
If you can't send or receive money or the transaction fails, try the following. ... Check your payment account information to make sure it isn't outdated.