Online Check Writer

Check Draft

Check Draft is a written order for a financial institution to pay a specified amount from the account of the person issuing the check to the recipient. You can get authorization from your payer through phone or online and create checks instantly using payer’s bank account. The platform lets you print the bank draft with no payer signature and deposit it to collect the amount. Also, with the recurring bank draft service from the platform, you can collect payments from your payers regularly without any dues.

Book A Demo Overnight Check Mailing 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.

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What Is Check Draft?

A check draft, also called a demand draft or bank draft, is a vendor-created check with the authorization of the payer or account holder. The vendor or merchant can make it with approval from the account holder without a signature. It can also be used as a payment method, like a check. Unlike checks, the issuing bank will provide a guarantee for the bank draft. Bank drafts offer a secure form of payment to the payee.

What is Check Draft

Our Features AP/AR - Powered by Zil Money offers a wide range of payment features to make your business transactions secure and flexible. Now you can pay and receive payments with the easy-to-use software and dive into the journey.

Check Printing

Create and print business checks at your office desk with a drag and drop design.


Pay or get paid one-time or recurring ACH/RTP with low transaction fees.


Integrate with the top third-party applications.

Pay Bill

Pay Bills Online, Schedule them, Manage suppliers, and reduce risk.

Payments by Credit Card

Now pay by credit card even if they don't accept them.

Wire Transfer

Transfer money electronically from one financial institution to other.

Deposit Slips

Instantly create & print the deposit slip of any Bank. Keep track & auto reconcile it.


Create invoice to your customer and send link through email.

Cloud Bank

Open an online checking account with no hidden charges.

Email Check

Send your checks as a one-time printable pdf with a tracking facility.

Payment Link

Create an HTML form or link to receive payments.


Give access to accountant or clients with a role based user and approval process.

Check Mailing

Check mailing without leaving your desk. We print and mail it by USPS/FedEx.

Digital Checks

Digitize your paper checks and make your payments via email or text.

Bank Data

Connect & reconcile, Categorize from Any Financial Institution automatically.

API/White Label

Interactive developer-friendly API. Complete white label solution.

Check Draft by Phone

Users can accept the check draft over the phone, and there is no need to wait for your client’s checks to arrive in the mail. Choose any template and enter your client’s information, including bank routing numbers and account numbers. Then, with the payer’s authorization, you print the check by any printer on their behalf. This check comes without a signature, stating, ‘No signature required and approved by the depositor.’ Deposit this to the bank just like you deposit a regular check. You can do it for a one-time payment or recurring payments.

Positive Pay for Checks provides business-focused financial tools, including the Positive Pay feature, to prevent check scams. With this feature, businesses share a list of cleared checks with their banks, cross-referenced with outgoing checks. The system quickly identifies suspicious or unauthorized checks, alerting users to potential scams. Automating Positive Pay saves time and money, offering protection and peace of mind against fraud and enhancing control over finances.

What is Check Draft

Easy To Access

Instant access to your account anywhere, anytime.

High Security

Secured with Encryption, Fraud Detection, and Infrastructure.

Easy Payment

Efficiently transfer funds to where they're needed.

All In One Platform simplifies financial management for both individuals and businesses. The comprehensive platform provides an all-in-one solution for payroll management, expense tracking, check printing, and account reconciliation. Users can efficiently handle various financial tasks through the platform’s check printing software, which supports multiple payment methods such as ACH, Wire, eChecks, Mail Check, Check Draft, Payment Link, International Payments, Credit Card Payments, and debit Card Payments.


What is a bank draft check?

A bank draft check is a check that does not require a signature but must be approved by the account holder by the bank.

What is a draft check?

A draft check or bank draft check is the same and does not require a signature but must be approved by the account holder through the bank.

Bank Draft vs Check

The issuing bank guarantees a bank draft, whereas the payer writes a check to the payee, which is not guaranteed.

Check and Draft

Checks are issued by a current account holder, drawing on their bank account. On the other hand, drafts are drawn by one branch of a bank to another branch of the same bank and come with a guarantee. Drafts are backed by actual money in the account, meaning that funds are immediately utilized when a draft is issued.

Online Check Writer - Cloud Based Platform
Fintech Software
RATING: 4.6 ( 10164 ratings )
Price: $5/Month


Zil Money's payment processing system offers efficiency, security, and ease of use. It streamlines transactions, ensures timely payments, and provides robust encryption for data security. Additionally, its user-friendly interface simplifies the process for both businesses and clients, enhancing overall satisfaction.




Zil Money makes it easy for us to keep track of bills that are due and paid for our small business. We have several different checking accounts to pay from and switching back and forth is very easy. Some of our vendors still require checks for payment and printing them is straightforward as well. We don't use some of the other features yet but may look into them in the future as our business grows.




User-Friendly Interface: Zil Money's interface is intuitive and easy to navigate, making it accessible for users of varying technical proficiency.




Ease of deployment and use. Normally, a switch like this is both time-consuming and confusing, but in this case, it was super easy.




The dashboard and the customer support are amazing! Never has a company been there like Zil Money and answered all my questions before letting me go. Thank you.




I love that I am able to process payments and do ACH transfers very easily.




I like that I can use multiple payment methods and that my data is always secure.




Easy to use, friendly customer support team.