The Check Generator That Lets You Create, Print, Mail & Send eChecks in Minutes
Stop waiting on pre-printed checks. OnlineCheckWriter.com lets you generate any check – business, payroll, or personal – and instantly print it, email it, or have it mailed by USPS or FedEx. All from one platform.
OnlineCheckWriter.com, powered by Zil Money, is a financial technology company and not a bank. Banking services are provided by our partner bank, Texas National Bank, Member FDIC. FDIC insurance applies only to products associated with those that have funds held in accounts at the partner bank, subject to applicable limits and requirements.
Why Traditional Check Printing Is Hurting Your Business
Every time you run out of pre-printed checks, wait on a delivery, or pay a vendor to mail checks on your behalf, you’re losing time and money. These aren’t small inconveniences – they add up fast and create real gaps in your cash flow management.
Waiting Days for Check Delivery
Pre-printed checks take days or weeks to arrive. A missed payment deadline can damage vendor relationships and trigger late fees you didn’t budget for.
Running Out at the Worst Moment
Payroll day. A critical vendor payment. That’s exactly when you discover you’re out of checks. Reordering adds another week – and more cost.
Paying Too Much Per Check
Ordering custom pre-printed checks from a bank or supplier costs significantly more per check. For businesses writing dozens of checks a month, that overhead compounds quickly.
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One Check Generator for Every Way You Need to Pay
OnlineCheckWriter.com – is a complete check generator and payment platform built for small businesses, accountants, HR teams, and finance managers. Whether you need to print a check at your desk, send an eCheck by email, or have a check physically mailed overnight, it all happens from one dashboard.
You don’t need blank check stock to get started, you don’t need a designer to customize your checks, and you don’t need a third-party vendor to mail them. You control the entire process – from generation to delivery – in a matter of minutes.
The platform connects to over 22,000 banks and financial institutions across the U.S. and Canada. That means you can link your existing business bank account, generate a check, and send or print it without ever switching platforms or re-entering account details.
For businesses managing multiple accounts – payroll from one account, vendor payments from another – the check generator handles all of them from a single login. No confusion. No switching between systems.
$1M+
Business Accounts
20M+
$91B+
Transaction Volume
80%
Check Cost Savings
Three Steps to Generate and Send Any Check
No complex setup. No lengthy onboarding. You can generate and deliver your first check in under five minutes.
Step 1: Create Your Free Account
Sign up at OnlineCheckWriter.com and link your existing business bank account. It connects to over 22,000 banks – chances are yours is already supported. No new account required.
Step 2: Generate and Customize Your Check
Use the drag-and-drop check generator to enter payee details, amount, date, and memo. Add your business logo and branding in seconds. Choose from multiple check templates – no design experience needed.
Step 3: Print, Email, or Mail It
Print the check instantly on blank check stock or plain white paper using any standard printer. Or skip printing entirely – send it as an eCheck by email, or let us mail it via USPS or FedEx without you leaving your desk.
Everything Your Business Needs in One Check Generator
Print Checks on Any Paper, Any Printer
Generate and print business checks, payroll checks, or personal checks on blank check stock or plain white paper using any standard home or office printer. No special hardware, no expensive toner cartridges, no proprietary setup. You save up to 80% compared to ordering pre-printed checks from your bank or supplier.
Send eChecks Directly by Email
Need to pay a vendor or contractor without printing anything? Generate an eCheck and send it directly to any email address as a one-time printable PDF. The recipient can print and deposit it at their bank. You get full delivery tracking so you always know when it’s been opened and received.
Mail Checks via USPS or FedEx - Without Leaving Your Desk
Generate your check, and OnlineCheckWriter.com prints and mails it on your behalf – same day, via USPS First Class or FedEx overnight. You never touch an envelope or walk to a mailbox. For businesses that still need physical check delivery, this removes every manual step from the process.
Bulk Payroll Check Generation
Managing a payroll run? Generate checks for your entire team in one batch and send or print them all at once. The platform integrates with QuickBooks, Gusto, ADP, and other payroll tools – so your data is already there when you need it. No re-entering employee information every pay period.
Branded, Professional Check Design
Every check your business sends is a reflection of your brand. The built-in drag-and-drop editor lets you add your logo, choose fonts, adjust layout, and design checks that look professional every time – without hiring a designer or paying for branded stationery.
Fraud Protection Built In
OnlineCheckWriter.com includes Positive Pay – an advanced fraud detection system that cross-checks every check against your issued check register before it clears your bank account. Unauthorized or altered checks get flagged automatically. Your funds stay protected without any extra manual monitoring from your team.
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
FREQUENTLY ASKED QUESTIONS
Can I use the check generator for free?
You can create, customize, and print checks. Additional features like eChecks, check mailing, and bulk payroll.
Are checks printed with this check generator legally valid?
Yes. Checks printed on blank check stock using OnlineCheckWriter.com are fully legal. The platform generates checks with proper MICR, routing numbers, and account details.
How do I send a check by email using the check generator?
After creating your check in the platform, select the eCheck option and enter the recipient's email address. They'll receive a secure, one-time printable PDF they can print and deposit at any bank.
Does the check generator work with QuickBooks and other accounting software?
Yes. OnlineCheckWriter.com integrates directly with QuickBooks Online, QuickBooks Desktop, Xero, Zoho Books, FreshBooks, Gusto, ADP, and more. You can import payment data from your accounting software and generate checks without re-entering any information. Bank reconciliation also syncs automatically to keep your records clean.
What do I need to start using the online check generator?
All you need is an account and your bank account details. To print checks, you'll also need blank check stock paper (available online for a few dollars per sheet) and any standard printer. To send eChecks or use the check mailing service, no printer or paper is required at all - everything is handled digitally or by the platform on your behalf.
Your Fastest, Most Affordable Check Generator – Already Trusted by a Million Businesses
Generate, print, email, or mail checks in minutes – with no pre-printed check orders, no setup fees, and no contracts.
Real Stories, Real Results
Experience fast, secure, and cost-effective international transfers
Karla C.
"The best online software"
Save time
Chansa Catherine
"overall it was a good experience, loved the mobile app, came in handy when on the move out of the office"
Money arrives in minutes
Danylo
"I use Online Check Writer daily and I am satisfied that I selected that product"