Help and FAQs

No. OnlineCheckWriter.com is a financial‑technology company and not a bank. It offers banking services through partnerships with FDIC‑member banks. Because funds are held at partner banks, customers are not directly insured by the FDIC; coverage is provided through “pass‑through” insurance, which requires proper titling, record‑keeping, and custodial arrangements.

OnlineCheckWriter.com - Powered by Zil Money takes several steps to protect payments. When you mail a check, the service uses secure carriers like USPS or FedEx and prints checks with MICR ink, making them machine‑readable and reducing the risk of fraud. The platform also employs encryption and other security measures to protect financial data and displays compliance badges for SOC 2, PCI DSS, and ISO 27001 standards. These controls help ensure your payment information and bank details are kept safe.

Yes. The service integrates with popular accounting and payroll platforms. It connects to QuickBooks Online and Desktop, Zoho Books, Zoho Payroll, QuickBooks Payroll, Gusto, Zapier, Xero, FreshBooks, and Sage, allowing users to import checks, bills, and invoices and pay them without manual entry. The platform’s FAQ notes that it already integrates with hundreds of third‑party accounting systems and can customize integrations with other software when needed.

The platform offers several advantages: funds aren’t deducted until the check is cashed (improving cash flow), you can design and mail checks from home or office, MICR ink and encryption enhance security, you can schedule and include attachments easily, fees are lower than those of typical banks, recurring mailings are supported, and reporting is more robust.

Yes.  You can add multiple users and set role‑based permissions, custom limits, approval requirements, and IP‑address restrictions.  Comprehensive audit trails make it easy to manage workload and maintain security.

Yes. The platform is designed for fast and efficient cross‑border payments.  Unlike traditional transfers that can take 3–5 business days, OnlineCheckWriter.com-Powered by Zil Money uses blockchain technology to settle international payments within minutes.  It supports multi‑currency payments with live exchange rates, so businesses can pay vendors and freelancers in their preferred currency without unpredictable foreign‑exchange fees.  Pricing is transparent—fees are disclosed upfront and paid by the sender, meaning the recipient receives the full amount without hidden charges. There’s also no need to pre‑fund foreign accounts, since payments are sent directly from your digital wallet.

ACH transfers through OnlineCheckWriter.com - Powered by Zil Money typically process within 1-3 business days for standard transfers. We also offer same-day ACH processing for urgent payments, allowing you to send funds faster when needed. All ACH transfers are processed securely through the platform with real-time tracking, so you can monitor payment status and receive confirmation once funds are delivered to the recipient's account.

OnlineCheckWriter.com - Powered by Zil Money supports multiple payment methods including ACH bank transfers, wire transfers, printed checks, eChecks, and virtual cards. You can choose the most cost-effective method for each vendor - ACH transfers for regular payments, wire transfers for urgent international payments, or virtual cards for subscription services. The platform automatically suggests the best payment method based on the recipient and amount to help you save on transaction fees.

OnlineCheckWriter.com - Powered by Zil Money offers competitive, transparent pricing for business payment processing with no hidden fees. We provide cost-effective rates for ACH transfers, check printing, wire transfers, and virtual card transactions. The pricing structure is designed to help businesses save money compared to traditional banking fees. For current pricing details and volume discounts, please visit the pricing page or contact the platform support team for a customized quote based on your business payment volume.

Yes, OnlineCheckWriter.com - Powered by Zil Money allows you to set up automated recurring payments for vendors, employees, rent, utilities, and other regular expenses. You can schedule payments weekly, bi-weekly, monthly, or on custom dates. The platform system automatically processes these payments and sends confirmation emails to both you and recipients. This feature helps eliminate late payments, reduces manual work, and ensures consistent cash flow management for your business.

OnlineCheckWriter.com - Powered by Zil Money provides comprehensive payment tracking with real-time status updates, detailed transaction history, and automated reconciliation tools. Every payment includes a digital receipt, and you can export transaction data to Excel or integrate directly with QuickBooks, Xero, and other accounting software. The platform dashboard shows pending, processed, and failed payments with search and filter options to quickly find specific transactions for easy bookkeeping and audit trails.

OnlineCheckWriter.com - Powered by Zil Money uses bank-level security including 256-bit SSL encryption, two-factor authentication, and fraud monitoring for all transactions. We're SOC 2 compliant and use secure data centers with 24/7 monitoring. All payment data is encrypted and tokenized, and we never store sensitive banking information on the servers. Additionally, the platform includes spending controls, approval workflows, and real-time alerts to help prevent unauthorized transactions and maintain complete control over your business finances.

Yes. OnlineCheckWriter.com offers a drag‑and‑drop design tool that lets you add your business logo, digital signature and choose fonts, so you can personalize each check and give it a professional look.

When mailing checks through OnlineCheckWriter.com - Powered by Zil Money, standard First‑Class mail usually arrives in about 2–5 business days; Priority mail takes roughly 1–3 days; and expedited options like FedEx or overnight shipping can deliver the next day.

An eCheck (electronic check) is a digital version of a paper check. You can create checks instantly and email them to your payee on-demand as a one-time printable PDF once you authorize the transaction, processed through OnlineCheckWriter.com - Powered by Zil Money.

Yes. OnlineCheckWriter.com - Powered by Zil Money allows you to deliver eChecks electronically via email or SMS. The recipient receives a printable PDF version of the check that they can print and deposit just like a traditional paper check.

Absolutely. OnlineCheckWriter.com - Powered by Zil Money uses encryption and fraud‑detection measures to keep eChecks secure. Whether you’re sending, printing or mailing a check, this cloud‑based platform provides a reliable and secure way for businesses to move money.

OnlineCheckWriter.com – Powered by Zil Money supports multiple payment options including ACH transfers, wire transfers, printed checks, eChecks, checks by mail, virtual card and credit card payments. You can send professional invoices with embedded payment links, allowing customers to pay via their preferred method. This flexibility typically results in faster payment collection and improved cash flow.

You can easily schedule recurring payments through your dashboard by selecting the "Recurring" option when creating a check or ACH transfer. Set the frequency (weekly, bi-weekly, monthly, etc.), specify the end date or number of payments, and the system will automatically process payments according to your schedule. You'll receive notifications before each payment is processed.

You can connect multiple bank accounts to your OnlineCheckWriter.com – Powered by Zil Money dashboard and easily switch between them when creating payments. Each account can be labeled (e.g., "Operating Account," "Payroll Account") and you can set different user permissions for each account if you have team members who should only access specific accounts.

Yes, OnlineCheckWriter.com – Powered by Zil Money integrates seamlessly with popular accounting systems including QuickBooks, Xero, and other major platforms. This integration allows you to sync your financial data, automatically import payee information, and maintain accurate records across all your business applications without duplicate data entry.

Document Mailing Service prints and mails your PDFs (invoices, contracts, letters, etc.) via USPS or FedEx—no printers, envelopes, or post office trips needed.  Choose a delivery option like First Class, Priority, Express or even international options. Upload your file, add addresses, review, and it's mailed the same day. All documents are processed securely with encryption and optional HIPAA‑compliance.

There are no cancellation fees or early termination charges. Users are not tied to any contracts and can cancel the service anytime without any penalty. Additionally, no setup fees are required to start using the platform. This makes OnlineCheckWriter.com – Powered by Zil Money a flexible solution for businesses of all sizes.

No technical expertise is required. OnlineCheckWriter.com – Powered by Zil Money offers user-friendly integrations that business owners can set up in just a few steps. The platform connects seamlessly with popular accounting and payroll systems without the need for coding or IT support. This makes it easy for business owners to manage payments, invoices, and employee salaries while focusing more on growth and less on technology.

The platform integrates with leading accounting, payroll, and business management tools including QuickBooks, Xero, Zoho Books, ADP, Gusto, and many more. These integrations allow businesses to centralize financial operations in one place. Whether you’re handling invoices, payroll runs, or vendor payments, connecting your tools ensures smooth data flow.

Yes, integrations are designed to eliminate repetitive tasks. By syncing data directly from your accounting or payroll system, the platform automatically imports transactions, invoices, and payroll details. This reduces double entry, cuts down on errors, and ensures that financial records stay up-to-date. For business owners, this means more time to focus on customers, strategy, and business growth instead of spending hours on manual bookkeeping.

Yes, switching to a new system does not disrupt your ability to use OnlineCheckWriter.com - Powered by Zil Money. The platform allows you to reconnect with your new accounting or payroll tool quickly. This ensures that your payment workflows, payroll schedules, and vendor data continue without interruption. For businesses planning to scale or change software in the future, this flexibility offers peace of mind and long-term adaptability.

Absolutely. Security is a top priority when connecting third-party tools with the platform. All integrations are protected with strong encryption and compliance standards to safeguard sensitive business and payment data. By syncing directly through secure connections, the platform ensures your financial details remain private and accurate. Business owners can confidently integrate their software knowing their data is protected at every step.

Integrations improve accuracy by automatically syncing data from accounting and payroll systems into the platform. This reduces manual errors, keeps invoices, vendor payments, and payroll transactions consistent, and ensures cleaner records with fewer reconciliation issues. For business owners, it means more reliable reporting and better decision-making.

The platform secures data in transit with HTTPS using RSA-2048/SHA-256 and protects stored data with AES-256 encryption. Its servers are hosted in PCI and SOC-certified data centers that are monitored 24×7 to prevent unauthorized access. This ensures both strong encryption and round-the-clock infrastructure security.

OnlineCheckWriter.com - Powered by Zil Money meets major global standards, including PCI DSS, SOC 1 & SOC 2, HIPAA, GDPR, ISO 27001/20000/9001, CCPA, and NIST 800-53. These certifications show that the platform follows strict guidelines for security, privacy, and compliance. Together, they demonstrate a strong commitment to international and industry-specific best practices.

The company never stores card numbers on its own servers, instead working with a Level-1 PCI-compliant processor. This setup adds a strong layer of protection and reduces exposure to fraud risks. In addition, daily security testing is performed to identify and fix vulnerabilities before they can be exploited.

Yes, the platform is fully HIPAA compliant, meaning it protects sensitive health data with strict safeguards. It supports healthcare clients by ensuring patient information is secure and handled according to regulatory requirements. This helps organizations in the medical field stay compliant and reduce risk.

Under GDPR, users are guaranteed transparent data processing and have the right to control how their information is used. CCPA also grants customers the ability to view, delete, or limit the use of their personal data. These rights apply to all users, offering a fair level of privacy and control.

Funds are maintained in safeguarded accounts to prevent misuse. Employees go through background checks and receive ongoing security training to maintain awareness. The platform also enforces audit trails, strict access controls, and compliance with NIST 800-53 standards to strengthen oversight and risk management.