Ordering Checks Online? Skip the Wait. Print Instantly.
Most people ordering checks wait 7-14 days and overpay every single time. There’s a faster, cheaper way – and over 1 million U.S. businesses already use it.
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
The Problem With Ordering Checks the Traditional Way
If you run a small business, pay contractors, or handle payroll, you already know the pain. Ordering checks the old way means:
Waiting 7–14 business days every time you reorder – and payments stop in the meantime
Paying far too much for a box of pre-printed checks, plus shipping on top
Giving your routing number and account number to a third-party check printer you don’t know
Running out at the worst possible moment – a vendor is waiting, payroll is due
Throwing away stacks of pre-printed checks when you change your address or open a new account
No audit trail – you write a check, it leaves your hands, and tracking it is a nightmare
And here is the part nobody talks about: when you order pre-printed checks, your bank details are printed on hundreds of pieces of paper, shipped across the country, and sitting in boxes in warehouses and offices. That is a fraud risk that most people never think about until it happens to them.
Think About What This Is Costing You
Every month you order pre-printed checks, you’re paying for the check stock, the shipping, and the time spent waiting and reordering. Most small businesses spend far more than they realize on this – and switching to on-demand printing cuts that cost dramatically.
With OnlineCheckWriter.com, you print only what you need, when you need it. No minimums. No wasted stock. No reorder delays.
The Smarter Way: Print Your Own Checks on Blank Paper
The Check 21 Act – a federal law – makes it completely legal to print your own checks as long as they have the correct MICR line (the magnetic ink numbers at the bottom of every check). OnlineCheckWriter.com generates bank-compliant checks that every U.S. bank accepts.
That means you never have to order checks again.
How It Works – 3 Steps
Sign up free
Connect your existing bank account. Works with any U.S. bank – Bank of America, Wells Fargo, local credit unions, all of them.
Design your check
Upload your logo, pick a template, enter your info. Takes 5 minutes. Drag-and-drop – no design skills needed.
Print or send
Print on blank paper right now. Or click once and we mail it for you via USPS or FedEx.
That is it. No waiting. No minimum order. No expired check stock when you change banks.
If You Just Need to Order Checks – Here’s What to Know
Some people searching for “ordering checks” simply want to get a checkbook delivered to their door. If that’s you, here is a quick breakdown of your options – and then we’ll show you why thousands of people switch to printing instead.
Cost per check
Check Company
Higher – stock + shipping
OnlineCheckWriter.com
Significantly lower
Delivery time
Check Company
7-14 business days
OnlineCheckWriter.com
Instant – print now
Minimum order
Check Company
Usually 100-200 checks
OnlineCheckWriter.com
Print 1 or 1,000
Customization
Check Company
Limited, costs extra
OnlineCheckWriter.com
Full logo & design
Security
Check Company
Bank details pre-printed
OnlineCheckWriter.com
Print on-demand, safer
Works with QuickBooks?
Check Company
Manual entry required
OnlineCheckWriter.com
Direct integration
Mail checks for you?
Check Company
No
OnlineCheckWriter.com
Yes – USPS or FedEx
If speed, cost, and control matter to your business, printing beats ordering every time. Here’s exactly how it works.
Who This Is Built For
Small Business Owners
You pay vendors, buy supplies, and handle payroll – often all in the same week. You can’t afford to wait 10 days for checks to arrive. Print exactly what you need, when you need it. No wasted stock when anything changes.
Bookkeepers Managing Multiple Clients
One login, multiple bank accounts. Switch between companies in seconds. Every check is logged with a full audit trail so you can answer any question instantly – no digging through paper.
HR and Payroll Teams
Payroll cannot wait for a delivery. Print payroll checks on demand, add pay stubs, and run your full payroll in minutes. Works whether you have 2 employees or 200.
Contractors and Freelancers
You get paid by check and you pay subcontractors by check. Print from your laptop, skip the bank, skip the supply run. If the vendor is across the country, click once and we mail it same day.
Real Estate Professionals
Deposits, vendor payments, tenant refunds – all with checks, all the time. Handle them from your desk without paper orders, envelopes, or trips to the post office.
Nonprofits, Government & Healthcare
Tight budgets, strict accountability. Print only what you need so pre-printed check stock never goes to waste. Every payment is logged, traceable, and audit-ready.
Everything You Can Do From One Platform
Print Checks on Any Printer
Use any standard laser or inkjet printer. Print on blank check stock paper available at any office supply store. Checks are MICR-compliant and accepted by all U.S. banks – including Bank of America, Wells Fargo, and credit unions.
Drag-and-Drop Check Designer
No design skills needed. Add your company logo, choose fonts and colors, pick from dozens of pre-made templates. Design a check in under 5 minutes that looks more professional than anything you’d order from a check printer.
Mail Checks - We Do the Work for You
No envelopes. No stamps. No post office. Fill in the payee, click send, and we print it, stuff it, and mail it via USPS first class or FedEx. Need it overnight? We do that too.
Send eChecks by Email or Text
Send a secure, one-time-printable PDF check via email or text message. It arrives in seconds, the recipient prints it, and you have full delivery confirmation. Legally valid. Fully traceable.
Pay Multiple Vendors at Once
Upload a spreadsheet of payments, review, and print or send them all in one batch. No more writing 30 checks by hand. This alone saves most small businesses several hours a month.
Works With QuickBooks, Xero & More
Connect directly to QuickBooks Online, QuickBooks Desktop, Xero, Zoho Books, FreshBooks, Wave, ADP, Gusto, and more. Import payee data, sync transactions, print checks – no re-entering data.
Manage Multiple Bank Accounts
Run more than one business? Manage client accounts? Add as many bank accounts as you need. Switch between them when printing. One login for everything.
Positive Pay - Stop Check Fraud
Pre-register every check you issue with your bank. If someone tries to cash a check that doesn’t match your records, your bank flags it before it clears. OnlineCheckWriter.com automates the Positive Pay file submission.
ACH, Wire Transfer, Virtual Cards & More
Not every payment needs a check. The same platform also handles ACH direct deposit, domestic wire transfers, international payments, virtual cards, and credit card payments. One place for all your outgoing payments.
Payroll Checks - Fast and Simple
Enter employee details, print payroll checks instantly. Add custom pay stubs. Works with or without payroll software integration.
Deposit Slips on Demand
Create and print deposit slips for any bank, any time. Auto-reconciliation keeps your records clean without extra work.
Is It Safe to Print Your Own Checks?
Yes – and here’s why printing is actually safer than ordering pre-printed checks.
Pre-printed checks have your routing and account number on hundreds of sheets shipped across the country, stored in warehouses you have no control over.
With on-demand printing, your banking details never appear until the moment you print – and only you control when that happens.
Every check is logged: date, time, amount, payee, and who printed it. Full audit trail.
Positive Pay integration means even a stolen check gets caught at the bank before it clears.
MICR encoding is bank-standard. Every check printed through OnlineCheckWriter.com is accepted by all U.S. banks.
SOC 2 Type II
SOC 1
PCI DSS
ISO 27001
ISO 20000
ISO 9001
HIPAA
CCPA
NIST 800-53
How to Get Started – Under 10 Minutes
Create your free account
Go to OnlineCheckWriter.com and sign up. No credit card required.
Connect your bank account
Works with any U.S. bank – Bank of America, Wells Fargo
Design your first check
Use the drag-and-drop editor. Upload your logo if you have one. Takes 5 minutes.
Print a test check
Print on blank paper to confirm everything looks right. Works with any standard printer.
You're done
Print your first real check – or click once to have us mail it for you. Most users issue their first real check within 10 minutes of signing up.
FREQUENTLY ASKED QUESTIONS
How do I order checks online?
You have two options. Option one: order pre-printed checks from your bank, Walmart, Deluxe, or a third-party printer - they arrive in 7–14 business days. Option two: use OnlineCheckWriter.com to design and print checks instantly on blank paper using any printer, and skip the wait entirely. Both are legal. The second option is faster and costs up to 80% less.
Where is the best place to order checks?
For personal checks with lots of design options, popular choices include Walmart Checks, Checks Unlimited, and Checks In The Mail. For small businesses that need more control, faster access, and lower costs, OnlineCheckWriter.com lets you print checks on-demand without waiting for delivery - and mail them via USPS or FedEx without leaving your desk.
How long does it take to order checks online?
Through traditional check printers, standard delivery takes 7–14 business days. Expedited shipping can cut that to 3–5 days for an extra fee. With OnlineCheckWriter.com, there is no delivery time - you print instantly from your desk the moment you need a check.
How much does it cost to order checks online?
Pre-printed checks from third-party printers and banks are typically more expensive than most people realize - especially once you add shipping and reorder costs. With OnlineCheckWriter.com, you print on blank check stock paper available at any office supply store, plus an affordable monthly platform plan. See the pricing page on OnlineCheckWriter.com for current rates.
Is it legal to print your own checks?
Yes. The Check 21 Act (passed in 2003) made it fully legal to print checks on blank paper as long as they contain the correct MICR encoding - the magnetic ink line at the bottom with your routing and account numbers. OnlineCheckWriter.com generates bank-compliant MICR checks accepted by all U.S. financial institutions.
Do I need special paper or a special printer?
No special printer is required. Any standard laser or inkjet printer works. For best results, use blank check stock paper available at Staples, Office Depot, or Amazon. Many businesses also print on plain white paper for internal or lower-risk payments.
Can I pay vendors by check without ordering checks in advance?
Yes. With OnlineCheckWriter.com, you print vendor checks on demand - no pre-ordering required. You can also pay multiple vendors in bulk by uploading a payment list. Each check is logged for your records, and Positive Pay protects against fraud.
Does OnlineCheckWriter.com work with QuickBooks?
Yes. OnlineCheckWriter.com integrates directly with QuickBooks Online and QuickBooks Desktop. You can import vendor data, sync transactions, and print checks without re-entering information manually. It also integrates with Xero, Zoho Books, FreshBooks, Wave, ADP, Gusto, and more.
What is Positive Pay and do I need it for my business?
Positive Pay is a bank fraud prevention tool. When you issue a check, you pre-register it with your bank. If someone tries to cash a check that doesn't match your records - wrong amount, wrong payee, or a forged check - your bank flags it for review before it clears. OnlineCheckWriter.com automates the Positive Pay submission file so you don't have to do it manually. If your business writes many checks, it is strongly recommended.
What is an eCheck and how is it different from a paper check?
An eCheck is a digital version of a paper check. Instead of printing and mailing it, you send it via email or text message as a secure, one-time-printable PDF. The recipient prints it and deposits it at their bank like a normal check. eChecks arrive instantly, are fully traceable, and are legally valid. OnlineCheckWriter.com supports both paper checks and eChecks from the same platform.
Ready to Stop Ordering Checks and Start Printing Them?
Every time you wait 10 days for a box of checks, you’re losing time and paying more than you need to. Over a million U.S. businesses have already made the switch. Setup takes less than 10 minutes, and it’s free to start.
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