Using OnlineCheckWriter: mailed checks, ACH, cancellation and cashback
OnlineCheckWriter, also branded as Powered by Zil Money, is a web service for businesses that want to print, mail and send checks and other payments from one dashboard. Nothing is shipped to your door like in a store, so the useful questions are about mail times, payment types, cancellation and where the service works. This guide lists what the shop's FAQ states and how cashback works.
What the service does
You can pay vendors, employees and rent by ACH bank transfer, wire, printed check, eCheck or virtual card, and receive payments through payment links and invoices. The service is a financial technology company and not a bank. It offers banking services through partnerships with FDIC-member banks, and funds are not directly FDIC-insured but covered by pass-through insurance. Checks can be designed with a logo, a digital signature and your choice of fonts, and checks are printed with MICR ink.
Mailing checks and delivery times
The service prints and mails checks for you with USPS or FedEx. Standard First-Class mail usually arrives in about 2 to 5 business days, Priority mail in roughly 1 to 3 days, and FedEx or overnight options can deliver the next day. An eCheck arrives immediately by email or text message as a printable PDF that the recipient can print and deposit like a paper check. The Document Mailing service also prints and mails PDFs such as invoices or letters, with First Class, Priority, Express and international options.
ACH, wires and international payments
Standard ACH transfers process in 1 to 3 business days, and same-day ACH is available for urgent payments. Wire transfers suit urgent international payments. The FAQ says businesses can use the platform for cross-border payments with multiple currencies and live exchange rates, and that fees are shown up front. For current prices, the FAQ points to the pricing page or to the support team.
Integrations
The platform connects to QuickBooks Online and Desktop, Xero, Zoho Books, Zoho Payroll, Gusto, FreshBooks, Sage, ADP and Zapier, among others, so you can import checks, bills and invoices without manual entry. A developer API is available for custom workflows.
Cancellation and contract terms
There are no cancellation fees or early termination charges, no contracts and no setup fees, according to the FAQ. You can stop the service at any time. Teams can use role-based permissions, approval rules and audit trails. A free demo is available, and you can reach the company at (408) 775-7720.
| At a glance | OnlineCheckWriter |
|---|---|
| Type | Online payment and check service |
| Mailing | USPS or FedEx, 2 to 5 days First-Class |
| ACH | 1 to 3 business days, same-day option |
| Contract | No setup fees, no cancellation fees |
| Teams | Roles, approvals, audit trails |
Cashback
Current offers are listed there, and we check them every day. Press the shop button and sign up or order in the same visit. In your free account the cashback shows as open first and becomes confirmed once the service has reported the purchase. Cashback depends on the purchase being reported, so a refund or cancelled order is deducted, and a code from another site can cost you the cashback.
As of October 2026.