It shouldn't be necessary to raise a bill in order to have funds spent from an acccount. All other Reckon products have a Spend Money/Write Cheques option.
Spend Money is called Make Payment. Go to the side menu > Day to day > Money out > Make payment.
To record a payment for a bill use the Allocate tab. To record a payment straight to a GL or item, use the New tab. ** Allocate only available when you have the Invoices module activated.