Pay Your Employees & Contractors with Direct Deposit – Starting Today
Direct Deposit to pay your employees and contractors – directly into their bank account. No bank switch. No complicated setup. Up and running in under 10 minutes.
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+
$91B+
Transaction Volume
80%
Check Cost Savings
Money goes straight into your employee’s bank account
Direct deposit is an electronic payment that transfers money from your bank account directly into your payee’s bank account. No waiting for the mail. The money lands on the day you schedule it.
It runs through the ACH network (Automated Clearing House) – the regulated U.S. payment system overseen by NACHA that processes billions of payments every year. When your employee wakes up on payday, the money is already there.
OnlineCheckWriter.com is an official NACHA member, which means your payments go through the real, regulated banking network – fully compliant and traceable.
Employee Payroll
Pay full-time and part-time employees on any schedule – weekly, bi-weekly, or monthly. Runs automatically.
Contractor Payments
Pay 1099 contractors after a project, one-time or recurring. Same system, same simplicity.
Vendor & Supplier Payments
Set up recurring ACH transfers to vendors on net-30 or any billing schedule you need.
Bonuses & Reimbursements
Issue one-time payments – bonuses, commissions, or expense reimbursements – directly to any U.S. bank account.
Managing payments without direct deposit slows your whole business down
Small business owners tell us the same things. These are the six problems that direct deposit solves.
Payroll takes up too much of your time
Calculating pay, tracking who got paid, and following up on late payments is a recurring time drain every single pay cycle.
Employees don't know exactly when they're getting paid
Without a predictable, automated system, payday becomes uncertain – and that uncertainty affects morale and trust.
Paying contractors is a separate, manual process
Contractors work on different schedules and payment terms. Managing them separately from employees adds complexity and leads to missed payments.
No easy audit trail when a payment question comes up
When an employee or contractor asks about a payment, finding the answer takes too long without a digital record tied to each transaction.
Scaling payroll as the team grows gets complicated fast
What works for three employees does not work for thirty. Without an automated system, growing your team means growing your payroll headaches.
Setting up direct deposit through a bank feels like a project
Going directly through your bank often involves paperwork, approval processes, and fees that make the whole thing feel harder than it should be.
Here’s exactly what happens when you send a direct deposit
Simple, electronic, and fully automated once it’s set up.
You enter the payment details
Add the amount and your payee’s routing and account numbers – or let them enter their own details through a secure link you send.
The instruction goes to the ACH network
OnlineCheckWriter.com sends the payment through the ACH network using your connected bank account – fully regulated and traceable.
Funds arrive in your payee's account
The ACH network routes the money to your employee’s or contractor’s bank. Most recipients see funds by 9:00 AM on the scheduled day.
You get a full confirmation in your dashboard
Every payment is logged with a timestamp, status, and confirmation number. Your complete audit trail – always accessible, always accurate.
What makes OnlineCheckWriter different
No bank switch. No complicated approval process.
Keep your existing bank
Connect BofA, Wells Fargo, or any U.S. bank. No new account needed.
Same-day ACH available
Submit before the daily cutoff and money moves the same business day.
Recurring payroll on autopilot
Schedule once. It runs every cycle automatically without you logging in.
Syncs with your accounting software
QuickBooks, Xero, Zoho, Wave, and more – zero double entry.
NACHA-certified network
Every ACH payment goes through the regulated U.S. banking system – fully compliant.
Everything you need to pay people – all in one place
Built for small businesses that need a payment system that works without the complexity.
Same-Day ACH
Submit before the daily cutoff and money moves the same business day. Available on every account – not a premium add-on.
Recurring Direct Deposit
Schedule payroll once. It runs every cycle automatically. Employees get paid on time without you logging in each pay period.
Bulk Payments
Upload a file and pay your entire team in one click. Works for 5 people or 5,000. Perfect for large teams and seasonal workforces.
Accounting Integrations
Auto-syncs with QuickBooks Online, QuickBooks Desktop, Xero, Zoho Books, Wave, FreshBooks, Gusto, ADP, and more.
Role-Based Approvals
Your accountant reviews. Your manager approves. You stay in full control. Payments don’t go out until the right person signs off.
Full Audit Trail
Every payment has a timestamp, approval record, and confirmation number. Payment questions get answered in seconds – not hours.
Any U.S. Bank
Connect your existing business account. Chase, Wells Fargo, Bank of America, credit unions – no switching required.
Payment Notifications
Automatic notifications so employees and contractors always know exactly when their payment is on the way.
NACHA Certified
As an official NACHA member, ACH payments go through the regulated U.S. banking network – compliant and fully traceable.
Direct deposit is one of many ways to pay on OnlineCheckWriter.com
Not everyone wants the same payment method. OnlineCheckWriter.com lets you pay each person the way they prefer – all from one dashboard.
Direct Deposit (ACH)
Electronic bank-to-bank. Best for regular payroll. Arrives in 1–2 business days or same day.
Check Printing
Print business checks on blank stock from your own office printer. Works with any U.S. bank.
Check Mailing
We print and mail your check via USPS or FedEx the same day – without you leaving your desk.
eChecks
Send a check by email as a one-time printable PDF. Recipient prints and deposits it themselves.
Wire Transfer
Domestic and international wires for same-day guaranteed delivery when speed matters most.
Virtual Card
Issue single-use or recurring virtual cards to vendors who prefer card payments.
Is direct deposit safe? Here’s everything that protects your payments
Direct deposit via ACH is fully encrypted, regulated by federal banking law, and end-to-end traceable. Here’s what we add on top of that.
SOC 1 & SOC 2
Independently audited
PCI DSS
Card-processor standard
ISO 27001
Info security certified
FDIC Insured
Via partner banks
256-Bit Encryption
All data in transit
Two-Factor Auth
Required on all accounts
Role-Based Access
Controlled approvals
Fraud Detection
On every ACH transaction
Built for every kind of small business
Small Business Owners (1–50 employees)
Turn a 2-hour manual payroll process into a 5-minute approve-and-send workflow. Runs on autopilot after the first setup.
HR and Payroll Managers
Get the reliability, audit trail, and accounting integrations your team needs. Role-based approvals and QuickBooks sync built in.
Businesses With Contractors
Pay W-2 employees and 1099 contractors from the same platform. No switching tools, no separate systems.
Property Managers
Recurring ACH keeps maintenance vendors and contractors paid on schedule – automatically, every month.
Growing Businesses
Scale from 3 employees to 300 without changing your system. Bulk payments handle any team size in one submission.
Nonprofits & Organizations
Pay staff and volunteers accurately and on time with less administrative work and a full digital record of every payment.
FREQUENTLY ASKED QUESTIONS
How long does direct deposit take?
Standard ACH direct deposit arrives in 1-2 business days. Same-day ACH is available if you submit before the daily cutoff - most employees see funds by 9:00 AM on the scheduled payday.
Do I need to switch banks to use direct deposit here?
No. You keep your current business bank account - Bank of America, Wells Fargo, or any U.S. bank or credit union. OnlineCheckWriter.com connects to it and sends ACH payments on your behalf.
What information do I need to set up direct deposit for an employee?
You need their bank routing number (the 9-digit number at the bottom of any check), their account number, and whether it's a checking or savings account. Employees can submit their own details securely through a private link you send them from inside the platform.
Can I pay contractors by direct deposit, not just employees?
Yes. Any person or business with a U.S. bank account can receive a direct deposit from you. W-2 employees, 1099 contractors, freelancers, vendors - the ACH process is the same for everyone.
How much does direct deposit cost?
ACH direct deposit through OnlineCheckWriter.com starts at as little as $0.25 per transaction. There are no setup fees, no minimum employee counts, and no long-term contracts. You pay only for what you use.
Can I automate recurring payroll so it runs every pay period?
Yes. Set the amount and schedule once - weekly, bi-weekly, semi-monthly, or monthly - and the system sends payments automatically every cycle. You can choose to review and approve each batch before it goes out, or fully automate it.
Is there a limit to how many people I can pay at once?
No limit. Whether you're paying 1 person or 10,000, the system handles it. The bulk payment feature lets you upload a payment file and process your entire team in one submission.
What is the difference between direct deposit and a wire transfer?
Direct deposit (ACH) is processed in batches - it takes 1-2 business days and costs as little as $0.25 per payment. Wire transfers settle the same day and cost more per transaction. Both are available on OnlineCheckWriter.com so you can use whichever fits the situation.
Does this integrate with QuickBooks?
Yes. OnlineCheckWriter.com integrates with QuickBooks Online, QuickBooks Desktop, Xero, Zoho Books, Zoho Payroll, Wave, FreshBooks, Gusto, ADP, and more. Payments sync automatically - no manual data entry.
Set Up Direct Deposit for Your Business – Free
From sign-up to your first direct deposit payment in under 10 minutes. No bank switch. No contracts. No complicated setup.
Real Stories, Real Results
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