Digital Checks – Send Payments Instantly via Email

Skip the paper, envelopes, and post office. With OnlineCheckWriter.com, you can create, send, and receive digital checks in minutes – from any device, anywhere.

Digital checks work exactly like paper checks – same routing number, same account number, same legal standing – but delivered instantly over email or SMS. No printing. No mailing. No waiting. Just fill in the details, hit send, and your payment is on its way.

OnlineCheckWriter.com- Powered by Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank and Lincoln Savings Bank.

$1M+

Business Accounts

20M+

Checks Processed

$91B+

Transaction Volume

80%

Check Cost Savings

What Is a Digital Check?

A digital check (also called an electronic check or eCheck) is an online version of a traditional paper check. It contains all the same components – payee name, amount, date, bank routing number, and account number – but it’s created and delivered digitally instead of on paper.

When you send a digital check through OnlineCheckWriter.com, your payee receives a secure, one-time PDF by email. They can print it on any standard printer and deposit it at a bank branch, ATM, or using their bank’s mobile deposit app – the same way they’d deposit any check they receive by mail. Nothing changes on their end. No new accounts. No apps to download.

For the sender, the process is even simpler: log in, fill in the payment details, and send. The entire process takes under two minutes.

A Women Holding a Smartphone Showing a Checks Inside an Envelop

Create Your Check

Log into OnlineCheckWriter.com and fill in the payee name, payment amount, date, and memo. Connect your existing bank account – we integrate with 22,000+ banks. No new bank account required.

Customize (Optional)

Use the drag-and-drop check designer to add your business logo, choose fonts, and set your check layout. Your checks look professional and branded every time.

Send via Email or SMS

Choose to send the digital check directly to your payee’s email address. You can also notify them by SMS. The payee receives a secure, encrypted link to their one-time printable PDF check.

Payee Prints & Deposits

The payee opens the PDF, prints it on plain paper using any standard printer, and deposits it exactly like a regular check – at a branch, ATM, or via mobile deposit.

Track the Payment

Monitor your check status in real time through your OnlineCheckWriter.com dashboard. Know exactly when the check was opened, printed, and cleared.

Digital Checks vs. Paper Checks vs. eChecks vs. ACH

This is the question most businesses have. Here’s a plain-English breakdown:

Digital Checks

Paper Checks

ACH

Wire Transfer

Delivery Speed

Instant – seconds via email

4–7 business days (USPS)

1–3 business days

Same day / next day

Payee Needs Bank Details?

No – just an email address

N/A

Yes – routing + account required

Fraud Risk

Low – encrypted, one-time use

High – 65% of orgs report fraud

Low

Cost Per Transaction

Included in monthly plan

$0.8–$1 fully loaded cost

Small per-transaction fee

$15–$35+ per wire

Accepted Like a Check?

Yes – printed and deposited same way

Yes

Varies – bank-to-bank only

Varies

Best For

Replacing paper check runs, urgent payments, vendors who don’t share bank details

Recipients requiring physical check

Recurring payments, payroll

Large, time-sensitive payments

Bottom line: If you want to replace a paper check with something faster and cheaper – but your payee doesn’t want to share bank details or set up ACH – a digital check is the ideal solution. It’s the easiest transition from paper because the deposit process is identical. OnlineCheckWriter.com supports all of these payment methods in one platform.

Why Businesses Are Switching to Digital Checks

Paper checks are costing your business more than you think. The median cost to issue a single paper check is $2–$4 when you account for check stock, printing, envelopes, postage, and labor. At scale – 100 checks a month – that’s $200–$400 in pure overhead. OnlineCheckWriter.com reduces your check printing costs by up to 80%.

A Man and a Woman Standing Next to a Printer, Actively Sending eChecks

Key Features of Digital Checks on OnlineCheckWriter.com



Instant Email and SMS Delivery

Send checks directly to your payee’s inbox. Add an SMS notification so they’re alerted immediately. Payments that used to take a week now take seconds.



One-Time Secure PDF

Every digital check is delivered as an encrypted, one-time-use PDF. It cannot be duplicated, forwarded as a live check, or altered. This protects both you and your payee.



Print on Any Printer, On Plain Paper

Your payee doesn’t need special check paper or a MICR printer. They print on standard white paper with any home or office printer and deposit like a normal check. No friction. No confusion.



Custom Check Design

Add your company logo, choose your font, and set your check layout using the drag-and-drop designer. Every check you send looks professional.



Bulk and Mass Payments

Send hundreds of digital checks at once by uploading a CSV file or importing directly from QuickBooks, Xero, Zoho, or other accounting software. No manual data entry. No double-posting.



Real-Time Payment Tracking

Know exactly when your check was delivered, opened, and deposited. Full audit trail available in your dashboard for every transaction.



22,000+ Bank Integrations

Connect any U.S. checking account. OnlineCheckWriter.com works with virtually every bank and credit union — no need to change your banking relationship.



Accounting Software Integration

Import your check data directly from QuickBooks Online, QuickBooks Desktop, Xero, Zoho Books, Zoho Payroll, FreshBooks, Sage, Wave, Bill.com, Gusto, and ADP. Transactions sync back automatically.



Enterprise-Grade Security

SOC 2 Type II, SOC 1, PCI DSS, ISO 27001, ISO 20000, ISO 9001, HIPAA, CCPA, and NIST 800-53 certified. FDIC coverage provided through partner banks Texas National Bank and Lincoln Savings Bank.

Who Uses Digital Checks?

Digital checks are used across virtually every industry where paper checks are still the norm:



Small Businesses

Pay vendors, contractors, and suppliers without buying check stock or running to the post office. Send a check in under two minutes from your desk.



Accounts Payable Teams

Replace check runs with bulk digital check delivery. Import from QuickBooks, send to 50 vendors at once, and track delivery in real time.



HR and Payroll

Issue payroll checks digitally to employees or contractors who don’t have direct deposit set up. No paper. No delays.



Real Estate

Send earnest money, commission payments, and vendor invoices digitally on a tight timeline.



Legal Firms

Issue client trust disbursements and settlements via secure, traceable digital check.



Healthcare

Pay insurance claims, reimburse patients, and manage vendor payments with HIPAA-compliant digital check delivery.



Nonprofits

Pay grant recipients, contractors, and staff without the overhead of a paper check process.

How Much Does It Cost to Send a Digital Check?

OnlineCheckWriter.com starts at $30/month. There are no per-check fees to send digital checks via email to your payees within the platform. Compare that to the $2-$4 fully loaded cost of a single paper check – the savings add up fast.

For check mailing (printing and mailing a physical check via USPS or FedEx), OnlineCheckWriter.com handles the printing, stuffing, and delivery for $1.25 per check – still well below the cost of doing it in-house.

OnlineCheckWriter.com also includes a full check designer so every digital check you send reflects your brand. Add your company logo, select fonts, choose a background, and arrange the layout – no design experience required. The drag-and-drop editor makes it fast, and your design is saved for every future check you send.

Unlike pre-printed check stock from your bank (which costs significantly more and locks you into a single format), digital checks from OnlineCheckWriter.com are fully customizable and printable on plain blank check paper you buy yourself.

An Image that Shows A Man and a Woman Sending Checks Via Mail. That Represents First Class Check Mailing USPS Canada for Just $1.25. Fast, Secure Delivery, Tracking

A Man Working on a Laptop with Integration with Banks, Accounting Software, and the Capability to Print Checks.

Integration with Banks and Accounting Software

Connect OnlineCheckWriter.com to your existing bank account and your existing accounting software – nothing changes about how you bank or how you book transactions.

Integration with 22,000+ banks and financial institutions means you can link checking accounts from virtually any U.S. institution. Multi-account businesses can connect and manage multiple accounts from one dashboard.

Import your check transactions directly, send them digitally, and sync back – no manual entry, no reconciliation headaches.

FREQUENTLY ASKED QUESTIONS

What is a digital check?

A digital check is an electronic version of a traditional paper check. It contains all the same information as a paper check - payee name, amount, date, routing number, account number - but it's created online and delivered to the payee via email as a secure, one-time printable PDF. The payee can print it on any standard printer and deposit it at a bank branch, ATM, or via mobile deposit, exactly as they would with any paper check. OnlineCheckWriter.com lets you create, send, and track digital checks from your browser or mobile device.

How is a digital check different from an eCheck?

The terms are often used interchangeably, but there is a technical distinction. A digital check delivered via OnlineCheckWriter.com is a printable PDF sent by email - the payee deposits a physical printout. An eCheck processed through the ACH network is a purely electronic bank-to-bank transfer where no physical check is involved and the payee must provide their bank account details. With digital checks, your payee never needs to share banking information - they just print and deposit.

How do I send a digital check?

Log into your OnlineCheckWriter.com account, select the payer bank account, enter the payee name, payment amount, date, and memo, then enter the payee's email address and click send. The payee receives a secure email with a link to their one-time printable PDF check. The entire process takes under two minutes.

Can my payee deposit a digital check at any bank?

Yes. Because the payee prints the digital check on paper, the physical deposit process is identical to depositing any other paper check. They can deposit at a branch teller, at an ATM, or using their bank's mobile deposit app. There is no special process, no accounts to create, and no fees for the payee to receive the check.

Is sending a digital check safe?

Yes. OnlineCheckWriter.com uses bank-level encryption and delivers each check as a one-time-use PDF - it cannot be duplicated, altered, or reused. The platform is certified under SOC 2, PCI DSS, ISO 27001, and HIPAA.

What does it cost to send a digital check?

OnlineCheckWriter.com plans start at $30/month. Digital check sending via email is included in your subscription. For physical check mailing, OnlineCheckWriter.com prints and mails via USPS or FedEx for $1.25 per check — handled entirely by the platform.

Can I send digital checks in bulk?

Yes. You can upload a CSV file with multiple payee records and send hundreds of digital checks at once. You can also import check data directly from QuickBooks, Xero, Zoho, and other accounting integrations to run full check batches digitally.

What if my payee needs a paper check?

If your payee cannot accept digital delivery, use the Checks By Mail feature. OnlineCheckWriter.com prints, stuffs, and mails the check via USPS or FedEx for $1.25, without you touching a printer or envelope.