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Quick answer: To create an eCheck online with OnlineCheckWriter.com, enter the payee’s name and the amount, choose to deliver it by email or as a printable PDF, and send it, usually in a few minutes. For a moving and storage company, that means a crew, a storage-unit landlord, or a fuel vendor who doesn’t take a direct bank transfer can still get paid without a trip to the bank.
Key Takeaways
What Is an eCheck, and How Is It Different From a Paper Check?
An eCheck is a digital version of a paper check. Instead of printing it and handing it over, you create it online and deliver it as an emailed PDF the payee can print and deposit or take straight to their own bank. For a moving and storage company in Providence, Rhode Island, that matters because the people who need to get paid are not always sitting at a desk: a crew is on a job site, a storage facility’s office closes before the truck gets back, and a fuel vendor’s invoice shows up by email at the end of the day. An eCheck goes out the same way the invoice came in.
| Payment type | eCheck | Paper check | Direct bank transfer |
|---|---|---|---|
| What you need from the payee | Just a name and an email address | A mailing address | Bank routing and account numbers |
| Works without the payee having a business bank account | Yes | Yes | No |
| Delivery | Same day, by email | Days in the mail, or hand-delivered | 1-3 business days once account details are on file; faster same-day transfer options usually carry an added fee and a cutoff time |
| Fits best for | Crews, 1099 subcontractors, storage landlords, fuel vendors who invoice by email | A vendor who insists on a physical check | Recurring vendors you already trust with account details |
How Do I Create an eCheck Online?
- Log in to your OnlineCheckWriter.com account and open the eCheck tool.
- Enter the payee’s name, the amount, and a memo line (for example, the job number or storage unit).
- Choose how to deliver it: as an emailed PDF the payee can print, or as a link they can open directly.
- Review the check number, date, and amount to confirm everything matches your records.
- Send it. The payee gets a notification and can print, deposit, or forward it from there.
As an example, a dispatcher closing out a Saturday move might enter “Job #4521, two-man crew, Providence to Warwick” as the memo on a $340 eCheck, deliver it by email before the crew leaves the lot, and repeat the same steps for the next name on the day’s job list. The same account can also print a check yourself on blank check stock when a vendor specifically asks for a physical check instead.
Can I Pay a Subcontractor or Crew Member Who Doesn’t Have a Business Bank Account?
This is one of the more common situations for a moving company: a driver or a day-crew member who works as a 1099 contractor may not have a dedicated business bank account, just a personal one. An eCheck does not require you to collect their bank routing and account numbers up front the way a direct transfer would. They receive the check by email, then either print and deposit it at their own bank or, depending on their bank’s app, deposit it by photo the same way they would a mailed check.
Can I Use an eCheck for Storage Rent or Fuel Vendor Invoices?
Storage-unit rent is usually a recurring, predictable payment, and an eCheck can be created and sent on the same schedule each month without waiting on the mail. Fuel and logistics vendors that invoice by email fit the same pattern: the invoice arrives, you create an eCheck for that amount, and it goes out the same day instead of sitting in a stack of paper checks waiting for the next bank run.
Can I Refund a Customer’s Deposit With an eCheck?
Yes. When a move is canceled or a customer is owed a deposit back, an eCheck lets you send that refund the same day instead of mailing a paper check and asking the customer to wait a week. You do not need to share your company’s bank account number with the customer to do it; the eCheck itself carries the payment.
Does an eCheck Leave a Paper Trail for Bookkeeping and 1099s?
Every eCheck is issued with its own check number and a record of the payee, amount, and date, the same information a paper check register would show. That record, together with a signed W-9 on file for each subcontractor, is what a bookkeeper needs at year-end to prepare 1099-NEC forms, and the eCheck tool connects with QuickBooks so those entries can sync to your books instead of being typed in twice.
Create Your First eCheck Today
Enter a payee, an amount, and a memo, then send it by email or as a printable PDF instead of driving to a branch or ordering check stock.
How Fast Does an eCheck Clear, and Is There a Fee?
An eCheck clears the way a check normally does once the payee deposits or cashes it, typically within a few business days rather than instantly, and the payee’s own bank can place a standard hold on a new or unusually large deposit before the funds are fully available, under the same Regulation CC funds-availability rules that apply to any check deposit. It is not the right tool for a payment that has to land the same hour. A small per-transaction cost applies to sending an eCheck through OnlineCheckWriter.com; check your current plan for the exact rate before you rely on it for a large batch of vendor payments.
Frequently Asked Questions
How long does it take to create an eCheck online?
Usually just a few minutes. Enter the payee, the amount, and a memo, then choose how to deliver it and send it.
Do I need the vendor’s bank account number to send them an eCheck?
No. You only need their name and an email address to deliver the eCheck. They deposit or cash it the way they would any check, without giving you their account details in advance.
Will a subcontractor without a business bank account be able to cash it?
A personal checking account can usually deposit an eCheck the same way it deposits a mailed check, either in person or through mobile deposit, depending on their bank.
What if I send an eCheck to the wrong payee or need to cancel one?
An eCheck that hasn’t been cashed yet can be voided from your account, the same way you’d stop a paper check before it clears. If it never gets opened at all, it simply stays uncashed until you resend or void it.
Can I send eChecks to a whole moving crew in one session?
Several eChecks can go out in one session, so a crew of a few people who worked the same job can each be paid without repeating the full setup every time.
Does sending an eCheck cost more than mailing a paper check?
Pricing depends on your plan. What you avoid is the time and mileage of a bank run and the days a mailed check spends in transit, which matters more for a moving company paying crews on the same day a job wraps up.
Is an eCheck safe to use for a customer deposit refund?
Yes: OnlineCheckWriter.com runs on PCI-DSS, SOC 2, and ISO 27001 infrastructure, and you never have to hand your company’s bank account number to the customer directly. Positive Pay and check tracking are also available if fraud prevention on outgoing checks is a concern.
Can I track whether an eCheck has been cashed?
Each eCheck carries a status you can check from your account, so you can see whether it’s still outstanding before you close out a job’s books. See OnlineCheckWriter’s full eCheck feature set for more on creating and sending eChecks.
A moving and storage company runs on a schedule nobody else keeps: a crew that needs to be paid before they leave the lot, a storage bill due on the first, a fuel invoice that lands in an inbox at 6 p.m. Creating an eCheck online fits that schedule because it does not depend on a bank’s hours or a blank check sitting in a drawer at the office. You still get a check number, a payee record, and a document your bookkeeper can reconcile, just without the drive to the bank first.
Stop Waiting on the Bank to Pay a Vendor
Create an eCheck online for a crew, a storage bill, or a fuel invoice, and send it out the same day the work gets done, no bank branch required.
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