I want to pay a bill with a check and the only option I see on screen is schedule a payment.

Let me help you pay a bill with a check on QuickBooks Online (QBO), dolceviolins.

If you're using Online Bill Pay (powered by Bill.com), you'll see the Schedule Payment option in the bills screen. The option to Make Payments has been changed to Mark as Paid when going to make a bill payment.

To make a payment, just click the drop-down arrow and select Mark as paid in the Bill transaction. If you want to make a payment on the Expense Transactions page, just choose the transaction. Then, click the Action drop-down button and choose Mark as paid. 

You can also go to the Pay Bills screen to make a payment.

Here's how:

1. Click the New Plus icon.
2. Choose Pay Bills.
3. Select the bills you'll want to pay by placing a checkmark on the box. 
4. Press Save and close.

For more details about schedule payments in Online Bill Pay, check out this article: Understanding payment schedules in Online Bill Pay.

I've got a link here that provides you with articles about managing your expenses: https://quickbooks.intuit.com/learn-support/en-us/billing-solutions/understanding-payment-schedules-....

Keep me posted if you need a hand with running your financial reports or any QBO related. I'll be here to help. Have a great day ahead.