Online Check Writer

Create eChecks or Paper Checks from the Comfort of Your Home or Office

Mar 9, 2023 | eChecks 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.

In today’s digital age, paper checks seem like an outdated payment method. However, despite the rise of electronic payments, paper checks still play a significant role in modern finance. You can either order or print checks if you want to obtain paper checks. You can also create a digital check (eCheck) and make physical checks using our platform – Powered by Zil Money. Keep reading to know more.

What Is a Paper Check?

A paper check, also known as a check or a cheque, is a written order instructing a bank to pay a specific amount of money to a person or entity. The person who writes the check is called the “payer” or “drawer,” while the person who receives the check is the “payee.”

The Most Important Component of a Bank Check

Bank Routing Number

The routing number, also known as an ABA (American Bankers Association), is a string of nine numbers U.S. banks use to identify particular financial institutions. This number signifies whether the federal government or a state government charters the bank. Large multinational banks may possess multiple routing numbers that correspond to the state in which your account is situated.

Routing numbers are often needed for tasks like check reordering, bill payments, direct deposits, paychecks, and tax payments. It’s important to note that the routing number differs between domestic and international transactions.

Account Number

The bank utilizes a sequence of numbers known as the account number to identify which accounts to deduct funds from when you initiate a payment. If you possess several accounts at the same bank, each account will share the same routing number, but the account number will be unique. Unlike the routing number, which can be found, your account number is specific to you, thus, it’s important to protect it similarly to your PIN code or social security number. With, you can print your check, account, and routing numbers onto white paper or blank stock paper.

Check Number

A check number allows you to track each check written. Most check numbers have between three and four digits, making them the shortest. Routing and account numbers are more valuable than check numbers for electronic fund transfers.

Benefits of Paper Checks

Despite the popularity of electronic payments, paper checks still offer several advantages:

  • Widespread acceptance: Paper checks are widely accepted by most businesses and individuals, making them a reliable form of payment.
  • Record keeping: Paper checks provide a clear paper trail of all transactions, which can be helpful for record-keeping and tax purposes.
  • Security: Paper checks can be more secure than electronic payments, as they are less vulnerable to fraud and hacking.
  • Flexibility: Paper checks can be used to make one-time or recurring payments, making them a flexible payment option.

eCheck vs Paper Check

An eCheck, or electronic check, is a digital version of a traditional paper check. When you make an eCheck payment, the funds are transferred electronically from your bank account to the recipient’s bank account, just like with a paper check. However, instead of writing a paper check, you enter the necessary information into an online check or payment gateway. You can send an eCheck either via email or ACH.

On the other hand, a paper check is a physical piece of paper you write on and sign. When you write a check, you fill in the payee’s name, the payment amount, and the date, and then sign the check. The recipient of the check then deposits it at their bank, where it is processed and the funds are transferred to their account.

You can also write this information online using our online platform and send it as digital or print it into digital copies.

Overall, the main differences between eChecks and paper checks are the processing time, convenience, and security. eChecks can be processed faster, are more convenient because they can be done online, and are generally more secure since they are encrypted. On the other hand, paper checks can take longer to process, require you to write and mail a check physically, and can be more susceptible to fraud or loss.

Paper checks might seem outdated, but they still offer several advantages and remain a popular option for many individuals and businesses. While electronic payments are on the rise, paper checks will likely continue to play a significant role in finance for years. You can use a digital or a physical check for payment purposes, and our platform lets you create eCheck or physical paper checks from the comfort of your home or office with many added benefits. So, why wait? Open an account on our platform and enjoy all the features provided in our platform.

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