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Key Takeaways
- Digital checks are checks you send and receive electronically instead of by mail.
- A digital check carries the same details as a paper check, delivered as a file the payee can print or deposit.
- OnlineCheckWriter.com, powered by Zil Money, lets you create and send digital checks in one place.
- Digital checks leave a clear record of who you paid and when.
- You can still print a paper check on blank stock whenever a vendor needs one.
Digital checks give you a way to pay without envelopes, stamps, or a trip to the mailbox. A digital check is a standard check delivered electronically, which the recipient can print and deposit or deposit digitally. It is not a bank-to-bank transfer like ACH; it is a check that travels as a file instead of paper. OnlineCheckWriter.com, powered by Zil Money, lets you create digital checks and send them straight to a payee.
The Real Problems With Paper Checks
Paper checks still do real work. In fact, 91% of organizations still use checks, as reported by the Federal Reserve. Yet the paper part of the process adds cost and delay that a digital check removes.
Delivery drags. A mailed check moves at the speed of the postal system, so the vendor waits days to deposit it.
Tracking is thin. Once a check is in the mail, you often lose visibility until it clears.
Mail theft is real. Checks in the mail stream get stolen, washed, and altered, which is one reason many teams move payments off paper.
Costs pile up. Stock, envelopes, stamps, and labor add up on every check, often more than the sticker price suggests.
Errors are hard to fix. A wrong amount on a mailed check means a void, a reissue, and another wait.
Reconciliation lags. Paper checks clear on their own timeline, so your books stay unsettled after you pay.
“A digital check does the job of a paper check, without the envelope, stamp, or wait.”
How Digital Checks Fix These Problems
Each fix below answers a problem above.
- Send electronically. Create the check and send it to the payee as a file, so nothing goes in the mail. You can also email checks directly to a vendor.
- The payee prints or deposits. The recipient prints the check on blank stock or deposits it digitally, whichever suits them.
- A record on both ends. Each digital check is logged with a payee, amount, date, and status, so reconciliation is simpler.
- Works with your accounts. Choose which connected account to pay from, with the correct account details on the check.
- Print paper when needed. Some vendors still want paper, so you can print a check on blank stock on demand.
- One place for every method. Design, print, and send from the same account, and reuse the check design you built.
Still Mailing Every Check?
Send digital checks your vendors can print or deposit, and print paper only when it is required.
Why Digital Checks Matter Now
Checks are not going away, but the paper around them keeps costing time and money. A digital check keeps the familiar format vendors know while removing the envelope, the stamp, and the mail delay.
You also keep flexibility. Send digital checks to the vendors who accept them, and print paper for the ones who do not, all from one account. Sign up today to see how it works.