Send a Check
by Email. Done in 60 Seconds.
No stamps. No envelopes. No trips to the post office. Just create a check, type an email address, and hit send. Your payee prints it and deposits it like any normal check.
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
22,000+
Financial institutions integrated
100%
Fraud detection accuracy
24/7
Real-time protection
Paper Checks Are Costing You More Than You Think
Most businesses don’t realize how much they lose every time they mail a check. Here’s what’s actually happening every single month.
Each check costs $4–$20
Add up the check stock, envelopes, stamps, and the time your team spends – a single mailed check costs way more than a few cents.
3 to 7 days just to arrive
Your vendors wait. Your employees wait. Everyone waits. All because a piece of paper is riding around in a mail truck somewhere.
Check fraud hits 70%+ of businesses
Paper checks can be stolen from mailboxes, washed, or counterfeited. And if it happens to you, it’s a nightmare to fix.
Zero tracking after you send
Did it arrive? Was it cashed? You have no way to know – until someone calls you, or you notice the balance sitting there untouched.
The Money Drain
$30 for basic checks. Want your name printed nicely? That’s $45. Want a design? Now it’s $60. Plus shipping.
Lost checks, late fees, disputes
Mail gets lost. Checks get damaged. Payees dispute delivery. Every one of these situations costs you time and money to sort out.
How Email Check Works
The whole process takes about 60 seconds. And your payee doesn’t need to sign up for anything.
1. Create Your Check
Log in and fill in the payee name, amount, and date. Import from QuickBooks in one click.
2. Enter Their Email
One payee or 500 – type the address or upload a bulk list.
3. Click Send
We email a secure, encrypted one-time PDF. Delivered in seconds, not days.
4. They Print & Deposit
No app needed. Payee prints and deposits it at any bank like a normal check.
Everything You Need to Pay by Email
OnlineCheckWriter is not just an email check tool. It’s a complete business payment platform – and the email check feature is just the beginning.
One-Time Printable PDF
Every check is a single-use encrypted file. Once deposited, it cannot be reused. No duplicate payment risk, ever.
Real-Time Delivery Tracking
See exactly when your payee opened the email, downloaded the check, and when it cleared your bank.
Bulk Send to Hundreds at Once
Upload a payee list with amounts and send hundreds of checks in a single click. Perfect for payroll and vendor runs.
Works with QuickBooks, Xero & More
Connects with QuickBooks Online, QuickBooks Desktop, Xero, Zoho, FreshBooks, and Wave. No manual data entry needed.
Prefer Physical Mail? Just $1.25
Payee prefers paper? We print, stuff, and mail it via USPS or FedEx – same business day – right from your dashboard.
Positive Pay Fraud Protection
Your issued check list goes to your bank automatically. Any check not on the list gets flagged before money leaves your account.
Works for Any Business That Writes Checks
Contractors & Construction
Pay crews and subs the day the job is done. No more waiting a week for mail. No more tracking who got paid.
Medical & Healthcare
Handle vendor payments and patient refunds without paperwork delays. HIPAA-compliant by default.
Law Firms
Send settlement disbursements with a full digital audit trail. Encrypted, trackable, and fully compliant.
Real Estate
Pay agents and settle vendor invoices fast. No check runs. No post office trips. Close deals without the delay.
Accounting Firms
Manage payments for multiple clients from one dashboard with role-based approvals and per-client controls.
Nonprofits & Government
Send grant payments and vendor disbursements with a complete audit trail. SOC 2 and PCI DSS certified.
We’ve processed over 20 million checks. Banks trust us. You can too.
FREQUENTLY ASKED QUESTIONS
Can you send a check through email?
Yes. OnlineCheckWriter creates a secure, one-time printable PDF check and emails it to your payee. They print it on blank check stock and deposit it at any bank - exactly like a regular check. This is fully legal under the Check 21 Act.
Is it legal to email a check?
Yes, completely legal. The Check 21 Act allows US banks to process check images electronically. Every email check from OnlineCheckWriter is encrypted, single-use, and accepted by all US banks.
Does my payee need an account to receive an email check?
No. Your payee only needs an email address and a printer. They don't need to sign up, download an app, or share any bank details. They open the email, print the check, and deposit it - that's it.
How much does it cost to send an email check?
Free to start - no credit card required. Paid plans start at $5/month. A single mailed paper check costs $4–$20 when you add up check stock, envelopes, stamps, and labor. Email checks cost a fraction of that.
What's the difference between an email check and an eCheck?
An email check is a PDF your payee prints and deposits at a bank - just like a paper check, but sent digitally. An eCheck is processed entirely through the ACH network with no printing at all. OnlineCheckWriter supports both, so you can choose what works best for your payee.
How do I know when my check has been received and deposited?
OnlineCheckWriter gives you real-time tracking. You'll see exactly when your email was delivered, when your payee opened it, when they downloaded the PDF, and when the check cleared your bank. Full visibility, every step of the way.
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"