The Best Payroll Software to Print Payroll Checks – Right From Your Desk
Use any laser printer and blank paper. No pre-printed checks. No waiting on bank orders. Import from QuickBooks, Gusto, ADP, and 22,000+ banks – and pay employees by check, ACH, wire, or card from one place.
OnlineCheckWriter.com- Powered by Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank and Lincoln Savings Bank.
Most Businesses Are Still Paying Too Much to Run Payroll Checks
Every pay period, thousands of small business owners go through the same routine: check if the pre-printed check stock is running low, place a reorder, wait days for delivery, then print. If an employee name is wrong or a check misprints, the whole sheet goes in the trash.
That system made sense 20 years ago. Today, the best payroll software to print payroll checks lets you skip pre-printed stock entirely. You print directly onto blank paper from any standard laser printer – and every check is fully bank-compliant, MICR-encoded, and ready to hand to your employee on the spot.
OnlineCheckWriter.com – does exactly that. And it goes further: the same platform handles ACH, wire transfers, eChecks, and even payroll by credit card, all from one dashboard.
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Three Reasons Your Payroll Check Process Is Broken
Before you pick any payroll check printing software, you need to understand what your current setup is actually costing you – in time, money, and risk.
Pre-Printed Checks Cost More Than You Think
A single box of 250 pre-printed checks from a bank typically runs $60–$140. That’s before misprints, reprints, or special-order fees for multiple account numbers. Businesses running bi-weekly payroll can burn through two to three boxes a month.
Blank check paper: ~$10 per 250 sheets. The math speaks for itself.
You Can't Print Checks When Stock Runs Out
Bank-ordered check stock takes three to seven business days to arrive. If you run out mid-pay-period, you’re either cutting manual checks by hand, paying via emergency wire, or explaining to employees why payday is delayed. None of those are good options.
With blank paper, you can print a payroll check in the next 60 seconds – any time.
Double Data Entry Creates Payroll Errors
When payroll software and check printing don’t talk to each other, someone types the same employee names and amounts into two separate systems. Each manual entry is a chance for a digit to be wrong – and a wrong payroll check is a compliance headache, not just an inconvenience.
Blank check paper: ~$10 per 250 sheets. The math speaks for itself.
Pre-Printed Checks vs. OnlineCheckWriter.com – What Actually Happens
This is what the two approaches look like in practice for a business running weekly payroll for 20 employees.
Factor
Pre-Printed Check Stock
OnlineCheckWriter.com
Check Paper Cost
$60–$140 per box
~$10 per 250 sheets
Time to Get Paper
3–7 business days
Any office supply store, today
MICR Encoding
Pre-printed, fixed format
Generated per check
Misprint Recovery
Discard check, reorder
Reprint instantly
Payroll Data Entry
Manual, double entry
One-click import from payroll software
Multiple Banks
Separate stock per bank account
22,000+ banks, one platform
Other Payment Methods
Checks only
Check, ACH, eCheck, wire, credit card
Bank Reconciliation
Manual matching
Automatic, built-in
$1M+
Business Accounts
20M+
$91B+
Transaction Volume
80%
Check Cost Savings
How to Print Payroll Checks With OnlineCheckWriter.com
The full process – from payroll data to printed check in hand – takes less than five minutes the first time and under two minutes after that.
Connect Your Payroll or Accounting Software
Link QuickBooks, Gusto, ADP, Xero, Zoho Payroll, or any of the other supported platforms. Employee records, pay amounts, and bank routing details import automatically. No spreadsheets. No copy-paste.
Set Up Your Check Template Once
Use the drag-and-drop designer to place your company name, logo, bank account, and signature line. The platform follows standard check layout requirements and auto-generates the MICR line for each check. Set it up once – every future payroll run uses the same template.
Review and Confirm Your Payroll Run
Before printing, review each paycheck on screen. Amounts, payee names, and dates are all visible. If anything looks off, fix it before a single sheet of paper is used. This one screen review eliminates most payroll check errors before they happen.
Print on Blank Paper From Any Laser Printer
Load blank check paper (available at any office supply store for about $10 per 250 sheets) and print. The output is a fully bank-compliant payroll check with MICR encoding, your company branding, and all required security features. No special hardware needed.
Every Payment Is Logged and Reconciled Automatically
Every check printed is recorded in the platform’s ledger with the date, amount, payee, and check number. The built-in bank reconciliation tool matches printed checks to your bank statement automatically. Month-end close takes minutes, not hours.
Not Every Employee Wants a Paper Check – And That’s Fine
OnlineCheckWriter.com handles payroll check printing, but it doesn’t stop there. Within the same payroll run, you can pay different employees through different methods – no separate software needed for each one.
Print Payroll Checks
Print on blank paper from your desk. Bank-compliant, MICR-encoded, branded to your business.
ACH Direct Deposit
Send payment directly to employee bank accounts. One-time or recurring, low transaction fees.
eCheck by Email or SMS
Send a one-time printable check PDF via email or text. The employee deposits it at any bank or via mobile app.
Wire Transfer
Domestic wire transfers processed directly from the platform – no bank branch visit needed.
Payroll by Credit Card
Charge payroll to your business credit card and earn reward points. Employees receive payment as check, ACH, or virtual card.
Overnight Check Mailing
Prints and mails the check via FedEx. Your remote employees get a physical paycheck without you leaving the office.
Works With the Payroll Tools You’re Already Using
Switching platforms? You don’t need to. OnlineCheckWriter.com plugs into your existing payroll workflow and connects to your bank in minutes.
QuickBooks Online
QuickBooks Desktop
Gusto
ADP
Xero
Zoho Payroll
FreshBooks
Wave
Bill.com
Square Payroll
Sage
22,000+ U.S. & Canadian Banks
What Separates OnlineCheckWriter.com From Every Other Option
There are other check printing tools. Most of them do one thing. OnlineCheckWriter.com was built to handle every step of the payroll payment process – from check design to bank reconciliation – in one place.
No Pre-Printed Stock, Ever
Blank paper from any office supply store. A standard laser printer. That’s all you need to print a fully bank-compliant payroll check today – even if you’ve never done it before.
One-Click Import From Payroll Software
Your employee data doesn’t live in two places. Connect QuickBooks, Gusto, ADP, or another platform once – and every payroll run pulls the correct data in seconds.
Connects to 22,000+ Banks
Whether you use a national bank, a regional bank, or a local credit union, the platform formats your check for that institution and keeps check numbers in sequence automatically.
Pay Payroll by Credit Card
Run payroll on your business credit card to earn reward points and preserve cash flow. Employees receive payment as ACH, check, or virtual card – they never know you used a card.
Enterprise-Grade Security Built In
SOC 2, SOC 1, PCI DSS, ISO 27001, HIPAA, and CCPA certifications. Positive Pay support. Bank-grade encryption. Multi-factor authentication on every login. Your payroll data is protected at every step.
Mobile App for iPhone and Android
Approve and send payroll checks, track payment status, and manage employee payments from your phone. The full platform works on mobile – not just a stripped-down version.
FREQUENTLY ASKED QUESTIONS
Can I print payroll checks on regular paper without a special printer?
Yes - any standard laser printer works. You do not need a MICR printer or any specialized equipment. OnlineCheckWriter.com print checks on blank check paper using a standard laser printer.
Does printing payroll checks on blank paper meet bank requirements?
Yes. What banks require is a properly formatted MICR line, the correct routing number, account number, and check number printed in the right position, and standard check dimensions. OnlineCheckWriter.com handles all of that. The resulting check is processed by bank readers the same way a check printed on pre-printed stock would be.
Which payroll software integrates with OnlineCheckWriter.com?
OnlineCheckWriter.com integrates with QuickBooks Online, QuickBooks Desktop, Gusto, ADP, Xero, Zoho Payroll, Zoho Books, FreshBooks, Wave, Bill.com, Square Payroll, Sage, and more. It also connects with over 22,000 U.S. and Canadian banks. If you use a payroll tool not listed here, you can also import employee and payment data from a CSV file.
What is payroll by credit card and how does it work?
Payroll by credit card means you charge your payroll total to your business credit card through OnlineCheckWriter.com. The platform then pays your employees. Your employees receive their pay as normal. You get the credit card purchase on your statement and earn whatever rewards your card offers. It's a way to extend your cash flow and earn points on what is typically your largest monthly expense.
What happens if I have employees at different banks or multiple business bank accounts?
OnlineCheckWriter.com handles multiple bank accounts within one login. You can assign each check to the correct bank account at the time of printing, and the platform formats the routing number and MICR line accordingly. For businesses with several active checking accounts across different banks, this eliminates the need to keep separate boxes of pre-printed check stock for each account.
Stop Ordering Check Stock. Start Printing Smarter.
OnlineCheckWriter.com gives your business the best payroll software to print payroll checks – on blank paper, from any printer, in under five minutes. And it handles every other payment method your team needs, all in one place.
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