OnlineCheckWriter.com- Powered by Zil Money is a financial technology company, not a bank. OnlineCheckWriter.com offers banking services through partnerships with FDIC member banks Texas National Bank and Lincoln Savings Bank. Customers are not directly insured by the FDIC - but through the pass-through coverage of our partner banks and is conditional on proper titling, record-keeping, and custodial arrangements.

Prohibited Countries, Products & Services

 

Prohibited Countries/Jurisdictions

Online Check Writer will not originate accounts, send/receive payments or issue cards to persons or businesses from the countries/jurisdictions below:

  • Albania
  • Bosnia-Herzegovina
  • Belarus
  • Burundi
  • Central African Republic
  • Croatia
  • Cuba
  • Cyprus
  • Democratic People’s Republic of Korea
  • Democratic Republic of the Congo
  • Iran
  • Iraq
  • Lebanon
  • Libya
  • Macedonia
  • Montenegro
  • Nigeria
  • Pakistan
  • Russian Federation
  • Serbia
  • Slovenia
  • Somalia
  • South Sudan
  • Sudan and Darfur
  • Syria
  • Turkey
  • Ukraine including Luhansk and Donetsk
  • Venezuela
  • Yemen
  • Zimbabwe

    High/Medium Risk Countries/Jurisdictions

    Online Check Writer will require enhanced due diligence (EDD), to originate accounts, send/receive payments or issue cards to persons or businesses from the countries/jurisdictions below:

    • Afghanistan
    • Algeria
    • Angola
    • Antigua and Barbuda
    • Argentina
    • Armenia
    • Azerbaijan
    • Bahamas
    • Bangladesh
    • Barbados
    • Belize
    • Benin
    • Bolivia
    • Botswana
    • Brazil
    • Burkina Faso
    • Burma
    • Cambodia
    • Cayman Islands
    • China
    • Colombia
    • Cote D’Ivoire
    • Ecuador
    • Gaza
    • Ghana
    • Guinea Bissau
    • Haiti 
    • Hong Kong
    • Jamaica
    • Jordon
    • Kazakhstan
    • Kenya
    • Lao People’s Democratic Republic
    • Liberia
    • Macau
    • Mali
    • Malta
    • Mauritius
    • Mexico
    • Mongolia
    • Morocco
    • Mozambique
    • Myanmar
    • Nicaragua
    • Panama
    • Paraguay
    • Philippines
    • Republic of South Africa (RSA)
    • Senegal
    • Sierra Leone
    • Tajikistan
    • Tanzania
    • Thailand
    • Trinidad & Tobago
    • Tunisia
    • United Arab Emirates
    • Uganda
    • West Bank
    • Western Sahara

      Prohibited Products & Services

      Online Check Writer will not originate accounts, send/receive payments or issue cards to persons or businesses that offer the below products and/or services related to the below categories including those deemed Illegal by any level of Government:

      • Adult Entertainment Businesses
      • Aircraft Dealers
      • Bearer Shares
      • Cannabis Oil/Products
      • Choice of Law
      • Currency Exchange Businesses
      • e-cigarette Sales
      • e-liquid Sales Sales
      • Encounter Groups/Clubs
      • Escort Services
      • Firearms & Ammunition Sales
      • Fireworks Sales
      • Gambling Establishments Express/Discover
      • Marijuana or illicit Drugs
      • Massage Parlors (not associated with salons/chiropractic care)
      • Multiple Level Sales
      • Nested MSBs/Nested Money Transmitters
      • Nested Payment Processors
      • Offshore Businesses
      • Online Dating Services
      • Products/services deemed illegal by any level of government
      • Pseudo Products
      • Pyramid Schemes
      • Shell Corporations
      • Tattoo Parlors
      • Tax Anticipation Programs
      • Tobacco Sales
      • Transaction Types prohibited by Visa
      • Tribal
      • Unfair, Predatory, or Deceptive Practices/Goods