When I am entering invoices, I would like it to always be like this: 

I want the payment type to default always to electronic, for every vendor, but it is usually cheque. I think it would save a lot of headache and accidental entries being made as cheque, if it could be set to default always to electronic (we dont use cheques for payment anymore).

Also, when creating a new vendor in vendor setup, is there somewhere to have it set to default electronic somewhere?