Online Check Writer

Check Draft Software – The Best Financial Tool

Jan 30, 2019 | Check Draft powered by Zil Money is a financial technology company, not a bank or an FDIC member. offers banking services through partnership with FDIC member banks Silicon Valley Bank and Texas National Bank.

Check drafting in the United States is popular because of many reasons. All sorts of business houses or personalities generate check drafts and are a legal replica of a usual transacting check. The merchant creates checks with the authorization of the account holder. In the United States, a check draft or demand draft is a standard financial document.
It permits a person to withdraw cash from another person’s bank account based on documented consent. Checks by phone, checks by fax, and online checks are some other names of check drafts. After all, These names for the check draft come from the way of creation itself. The actual current is the physical item, and the merchant prints it.

Online Check Writer

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Difference between ordinary checks and check drafts

Difference between ordinary checks and check drafts

The account holder gives a regular check to the drawer after correctly filling and duly signing the required details. It is the leading property of original checks. Checks always require many specifications, such as printing methods, the ink used to print, and signature requirements. The account holder gives a regular check to the drawer after correctly filling and duly signing the required details. Routine checks may be account payee checks or free checks and may carry a date.

Above all, a second party creates a check draft and not the account holder. This particular agreement is specified on a check draft, usually by a statement such as the following. “Your depositor pre-authorizes this draft, no signature required.” Moreover, a check draft does not require any signature, unlike regular transacting checks. Besides all these differences, people can present routine checks in any financial institution. It includes ATMs of BOA and checks service centers. However, only banks execute Check draft methods. The online Check drafting process is one of the Rapid and easy ways to check transactions. It is beneficial for professionals in the United States.

What is the check drafting method

What is the check drafting method?

As the account holder will be far away from the drawer, the possibility of handing over of check is impracticable. Hence a check draft does not require any signature, which is in contrast to the usual way of presenting checks. That is why the Online Check drafting process is known as the check transaction’s rapid and easy method. Hence it is beneficial for professionals in the United States.

For any check draft transaction, the account holder’s permission has prime importance. If not, it will cause many legal complications in the future. There are many methods of check drafting. The drawer receives the check without signing and writing any details. Another technique is that drawers can create checks by using online check writing software – Powered by Zil Money. If the check is ready, a couple of steps follow to convert the check to the check draft. It needs filling up the information, mainly the routing number and the account number.

Specially designed for perfect functioning

Specially designed for perfect functioning

Check Writer software designs and creates a draft for the customers. Hence they can deposit checks into any U.S. bank on the same day. For a safe transaction, the further addition of any information is there. It helps it to be free from any legal claims in the future. There will be a delivery of all the required information for consumer protection requirements, which is legally essential. It is necessary to provide genuine details before draft creation. The importance of providing real information before creating a check craft or demand draft is well known. The drawer collects the necessary data from the account holder.

Check Draft Software

Methods involved

Methods include the implementation of modern technological methods. This information should be clear and candid. Based on this, the bank will scrutinize the check very carefully. If it proved to be authentic, the bank would provide cash against the check. The account holder is liable to produce all the details to the client during the check draft transaction. It can be regarding a sale or service.

Details required for the check draft

Details required for the check draft

Creating a check draft requires critical details such as the account number and the routing number of the account. At the bottom side of a check, both the routing number and account number are present. The routing number appears first to the left side of the account number. The routing number consists of 9 digits, and confirming nine digits by counting is an easy method to analyze the routing number’s accuracy. The account number, which is vital information, comes after the routing number to the routing number’s right side.

Method of data communication in check drafting

Method of data communication in check drafting:

It is a truth that the check draft does not require any signature of the account holder; however, it needs genuine consent from the account holder regarding the cash amount that is going to be from the account through the check draft. For this purpose, either the client can go for written consent or can go for verbal consent.

Verbal consent for check draft

Verbal consent for check draft

As far as check drafting is concerned, the verbal mode of consent is acceptable. However, one should keep specific facts in mind to make it safe. Even though verbal consent is accepted legally, proof of the support provided verbally is provided by recording the consent. There is a definite encouragement to record the whole discussion. A record of the agreement’s date and the amount upon which the account holder has made the contract and the drawer and the client’s name and other details of the payments can keep as a record.

Written consent for check draft

Written consent for check draft

It is the safest option of getting details of the account payee while creating a check draft. In earlier days, it took a lot of time as letters and fax may take time to reach the specified drawer. However, by technological innovation methods, data is transferred swiftly by email or through social networking sites. Last but not least, check draft creation requires a format. You can print a pre-approved check draft on blank stock easily in house/Office with software such as This sort of software helps the user to Print check drafts. The only thing that the drawer has to do is to endorse the check draft’s backside, and he can deposit like a regular check.

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