OnlineCheckWriter.com: print, mail and email business checks online

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OnlineCheckWriter.com is a payments platform for small businesses, powered by Zil Money. It started with check printing and now covers check mailing, email checks, ACH and wire transfers, payment links, invoicing and paying vendors by credit card. It's a financial technology company rather than a bank, and the site explains that banking services are provided through its partner banks.

It suits business owners, bookkeepers and accountants who still send a lot of checks and want to stop buying preprinted checkbooks, stuffing envelopes and queuing at the post office. It connects with accounting tools such as QuickBooks Online, QuickBooks Desktop, Xero, Zoho, FreshBooks, Wave and Sage, so payments don't have to be typed in twice.

What's worth a look

Here are six of the main services, each with its own page explaining how it works.

Check PrintingPrint checks on blank stock with any printerView at OnlineCheckWriter.com Check Mailing Service for BusinessesPrinted and mailed for you the same business dayFrom $1.25View at OnlineCheckWriter.com Email CheckSend a printable check by email in about a minuteView at OnlineCheckWriter.com ACH PaymentSend and receive ACH, with same-day optionsView at OnlineCheckWriter.com Payment LinkGet paid by card or bank from a link by email or textView at OnlineCheckWriter.com Pay by Credit CardPay vendors by card even if they don't take cardsView at OnlineCheckWriter.com

Check Printing is the core feature. You design and print checks on blank check stock with any printer at your desk, and the site says this can save around 80% of check printing costs compared with buying preprinted checks. If you'd rather not print anything, Check Mailing takes over: you type the payee and amount, click Mail It, and the check is printed and sent the same business day if you submit during business hours. Mailing is from $1.25, and you can choose faster options such as USPS Priority, USPS Express, Certified Mail or FedEx Overnight for a higher fee. Your first mailed check is free.

For payees who are happy to go digital, Email Check sends a printable check by email in about a minute, and the page notes that a single mailed paper check can cost a business $4 to $20 once stock, envelopes, stamps and staff time are added up. The Pay by Credit Card option lets you pay vendors, landlords and contractors with your card even if they don't accept cards: they receive a check, ACH or wire, and you keep any card rewards. On the other side of the ledger, Payment Link lets you send a link by email or text so customers can pay you by card or bank in one click, without needing a website, and the ACH page covers sending and receiving bank transfers with same-day options.

Current offers

• A 15-day free trial.
• Cut your transaction costs by 81%, according to the store's current offer.
• Mail your first check free, as shown on the Check Mailing page.

How to save more

• Use the free trial to set up your bank account and accounting integration and send a few test payments before you commit.
• Pick USPS First Class for mailed checks unless a payment is urgent. The faster mailing options cost noticeably more per check.
• Move regular payees to email checks or ACH where they agree to it, which cuts out paper, postage and mailing fees.

Products, prices and offers checked on the store's own website on 4 Nov 2026. Prices and stock can change.

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