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Imagine needing to print checks from anywhere—perhaps you're a small-business CEO who logs in, designs a check, and sends it off instantly. That’s the convenience offered by OnlineCheckWriter.com. Reviewing this tool matters because many businesses seek flexible, secure, and cost-effective payment solutions in today’s remote-first world.
What Is OnlineCheckWriter.com?
OnlineCheckWriter.com is a cloud-based check printing and payment platform powered by Zil Money, in partnership with FDIC-member banks. It supports printable checks, eChecks, ACH/direct deposits, and more—all accessible via mobile and web interfaces.
Key Features & Integrations
- Payment Methods: Printable checks, eChecks, ACH transfers, wires, credit/debit card payments, even check mailing.
- Mobile & Web Access: Full functionality from any device with its unified app.
- Custom Templates: Drag-and-drop design, logo insertion, print on blank or regular paper—saves up to 80% on check printing.
- Integrations: Supports QuickBooks Online/Desktop, Xero, Zoho Books, FreshBooks, Wave, Gusto, Bill.com, Stripe, Square Payroll, Zapier, Make.com, Clear Books, and more.
- APIs & White-Label: Developer API, white-label solutions, virtual cards, and embedded payments.
- Security Features: Data encryption, fraud tools like Positive Pay, user access control, and FDIC pass-through insurance.
Pros
- Ease & Convenience: Print checks from anywhere using regular printers and paper.
- Cost-Effective: Free tier (5 payments/month plus unlimited eChecks/ACH); paid plans start around $30/month.
- Integrations & Automation: Sync with accounting platforms and automate workflows via Zapier/Make.com.
- Security & Customization: Custom templates, Positive Pay fraud prevention, FDIC bank support.
- User Feedback: Praised for being “easy to use” and customizable without needing expensive pre-printed checks.
Cons & User Complaints
- Pricing Transparency: Some users report unexpected price hikes and unclear billing changes.
- Customer Support Issues: Complaints of slow responses and poor change communication.
- Mailing Delays: Possible delays due to third-party check mailing.
- UI Learning Curve: Certain updates have made navigation harder for some users.
Real User Experiences
- Positive: “Easy to use,” “customize my checks so I don’t have to order expensive ones.”
- Mixed: “Interface is easy to digest… Advanced Two Factor Authentication.”
- Negative: “Requested cancellation, but charges continued”—highlighting billing vigilance.
Is It Secure & Legitimate?
Yes—backed by FDIC-member banks with pass-through insurance, encrypted transfers, and fraud protection like Positive Pay.
Caution: Some banks may not accept digitally printed checks, and fraud scams have exploited similar tools—always verify your recipient and follow bank guidelines.
Alternatives to Consider
- QuickBooks Enterprise
- Stripe
- Square Payments/Point of Sale
- NetSuite
- Bill.com
- FreshBooks
- Zoho Invoice
- Wave
FAQ
Q1. Is OnlineCheckWriter.com free?
Yes—a free plan allows ~5 payments/month plus unlimited eChecks/ACH; paid plans start at about $30/month.
Q2. Does OnlineCheckWriter mail checks or just print them?
Both—you can print yourself or have them mailed.
Q3. How secure is online check printing?
It uses encryption, Positive Pay, and FDIC-backed banks—but follow best practices to avoid fraud risks.
Q4. Which accounting platforms integrate with OnlineCheckWriter?
QuickBooks, Xero, Zoho Books, FreshBooks, Wave, Gusto, Bill.com, Stripe, Square Payroll, and more.
Conclusion
OnlineCheckWriter.com offers flexibility, ease, and strong integrations at a competitive price—ideal if convenience outweighs the need for full automation. Watch billing closely, and consider Bill.com, QuickBooks, or FreshBooks if you want stronger support or enterprise features.
