--- title: "Online Check Writer Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Online Check Writer the right Accounts Payable solution for you? Explore 255 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/237205/Online-Check-Writer/reviews/" page_type: "reviews" language: "en" publication_date: "2026-10-19" --- Online Check Writer 4.5 (255) [View alternatives](https://www.capterra.com/p/237205/Online-Check-Writer/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated October 19th, 2026 # Reviews of Online Check Writer Ease of use 4.4 Customer Service 4.4 ## Pros and Cons in Reviews mm marisela m senior business executiveTransportation/Trucking/Railroad, 2 - 10 employeesUsed the software for: Less than 6 months. “how easy it is to make payroll checks and send it since I work from home. and sending in the mail takes couple days“ September 28, 2025 mm marisela m senior business executiveTransportation/Trucking/Railroad, 2 - 10 employeesUsed the software for: Less than 6 months. “My ID was stolen so I have to wait 2 weeks to get a new one“ September 28, 2025 JC Joan C Operations ManagerFinancial Services, 2 - 10 employeesUsed the software for: More than 2 years. “From the start, being able to edit and personalize checks is a great feature.“ April 2, 2025 mm marisela m senior business executiveTransportation/Trucking/Railroad, 2 - 10 employeesUsed the software for: Less than 6 months. “Again like I stated I just don't like that I cant send ACH instead of emailing checks.“ September 28, 2025 ZZ Zakir Z OwnerMarketing and Advertising, 2 - 10 employeesUsed the software for: Less than 6 months. “It has helped me save time and focus more on growing my digital marketing business.“ September 29, 2025 MC Mike C CEOTransportation/Trucking/Railroad, 2 - 10 employeesUsed the software for: 1-2 years. “This caused and is still causing a huge problem which in turn caused us to be late on filing our 1099s.“ February 10, 2024 JC Joan C Operations ManagerFinancial Services, 2 - 10 employeesUsed the software for: More than 2 years. “The cost is also very affordable considering other services charge hundreds of dollars for the same end product.“ April 2, 2025 DM David M OwnerRetail, 11 - 50 employeesUsed the software for: More than 2 years. “The problem wasn't on my end (after trying multiple browsers, multiple laptops and different users, yet still had the same error messages) and they refused to admit it.“ November 18, 2022 ## Showing most helpful reviews Showing 1-25 of 255 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Danylo K. Marketing specialist Outsourcing/Offshoring Used the software for: I used a free trial ### "I use Online Check Writer daily and I am satisfied that I selected that product" August 28, 2023 5.0 I started to use that product several weeks ago and I would like to say that I am fully satisfied user. I like accept my payment via the link. The overall experience is amazing. Pros I like the interface. It's very easy to digest. Secondly, I am amazed that my business bank operations are in pocket and I am able to recieve and ask for a payment. What I am grateful for is that there's Advanced Two Factor Authentication. Cons I am not sure I could see my default currency information on the Bank Data. It would be useful because I have 2-3 bank accounts with different currencies. On a business tools menu there's a View more button but I would prefer seeing that features listed right there. Review Source Response from Zil.US May 14, 2024 Thank you for your review! We're glad our platform helps maintain safety and benefits while saving you time and money. Our dedicated customer assistance team is here to support you every step of the way. Thanks again for the review - we appreciate your feedback! YJK Young Jun K. president Real Estate Used the software for: 2+ years ### "Easy to use and can be used anywhere" July 25, 2022 5.0 Pros You can easily know when, where and how much you have used at any time, even if you do not record separately, and it is easy to use and can be used anywhere. Cons Occasionally, when there is a change in the position of what I have designed, I have to go back into the design and adjust it. Alternatives considered [Microsoft Excel](https://www.capterra.com/p/176574/Excel/) Reason for choosing Online Check Writer Selected by considering the convenience of use first Review Source Response from Zil.US July 28, 2022 Hi Young Jun, Thank you very much. The Pros you listed are what we always strive to deliver. Very happy to receive this feedback from you. LW Latoya W. Accounts Officer Hospitality Used the software for: 2+ years ### "Review" July 25, 2022 3.0 Pros Ease of use to maneuver product and also prints clean and precise once set up properly. Cons Get locked out too much so has to call help desk. Review Source Response from Zil.US July 28, 2022 Hi Latoya, Thank you for the review. We encourage you to have a product demo to understand the platform better so that you will not be locked out often . SA Saif A. Chief Financial Officer Financial Services Used the software for: 1-2 years ### "Excels porduct" July 26, 2022 5.0 I love this product. I would continue to use it forever. Pros Ease of use. Versatile. The options are very well thought of. Cons The initial setup was a little difficult but that only makes the product that customizable. Reason for choosing Online Check Writer Ease of use and the ability to customize the software. Switched from [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) Ease of use and the ability to customize the software. Review Source Response from Zil.US July 28, 2022 Hi Saif, Thank you very much for this great review. CS Chuck S. President Photography Used the software for: 6-12 months ### "Easy Check writing " July 25, 2022 5.0 Totally positive Pros This is a nice and easy product to use. I use it once a week or so and there is no refresh time needed Cons Took a bit or wrangling to get the check function to print what I wanted as there are a lot of pre-installed entries and I have pre printed checks Switched from [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) Quickbooks Pro is a difficult app to manage for a small company Review Source Response from Zil.US July 28, 2022 Hi Chuck, Thank you very much; we are thrilled to hear this. LM Lynn M. Accountant Non-Profit Organization Management Used the software for: 1-2 years ### "Used to be a happy customer" July 26, 2022 3.0 Like I said, it was a great piece of software when we started using it. I've asked for the zil account and accompanying wallet to be removed because we are a nonprofit, only the board can make a decision about creating new accounts. But it's been many months and they haven't done it yet, so I'm pretty sure they never will. It's so frustrating, they even send us monthly zil statements. We're probably going to switch back to our payroll system for ACH, because it's too confusing the way it's set up now. Pros I used to like it much better before we added ACH. The check writing worked great, it was intuitive and easy to use. Cons The user interface changed without warning a few months ago from something that was really easy to use to something that doesn't even fit on my computer screen and I have to reduce my magnification to 90% to see it all. I have to hunt all over the place to find various features that were all previously in one place. At least they should have given us some warning, I was on vacation and the admin using it was texting me that she couldn't figure out how to send ACH anymore. When we set up ACH they created a zil account for us which we didn't ask for and didn't want. It generated an automatic wallet that is identically named to our real wallet and it's been so confusing. It's unclear to me what enable wallet bypass means in the two different places it can be entered, both in the wallet settings and when we actually send an ach payment. We're always afraid we're doing something wrong. Reason for choosing Online Check Writer At the time it seemed easier to use and to give other people access to check writing. It has changed a lot since then. Review Source Response from Zil.US July 28, 2022 Hi Lynn, Please give us a call; we are keen to solve your issues with the platform. RA Ronald A. Owner Accounting Used the software for: Less than 6 months ### "Too Slow" July 25, 2022 3.0 Has many powerful features, however it can be overwhelming and confusing trying to understand every aspect. Pros The many features regarding check writing and security. Cons Moves too slowly, even on my fastest computer it took long for pages to load. Reason for choosing Online Check Writer Not applicable Switched from [Deluxe Payment Exchange](https://www.capterra.com/p/166710/Deluxe-eChecks/) I was very impressed with OC because I have more control on check design, etc Review Source Response from Zil.US July 28, 2022 Hi Ronald, Thank you for the review. As you have pointed out that the platform is too slow, we would like to check whether you haven't switched to the new version from the classic version? If you have questions regarding our platform, please call us at(408) 775-7720; we will be happy to guide you through each step. AT Adam T. managing member Computer Software Used the software for: 2+ years ### "If you don't want to bend the knee to Intuit ... " July 25, 2022 3.0 It's been the best/easiest way to print my own checks that I've found. Pros I can print checks the way I want for a much lower price than Intuit was offering. Cons Creating checks could be a little streamlined, especially monthly recurring checks. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Too expensive and/or confusing and clunky software just to print checks. Review Source Response from Zil.US July 28, 2022 Hi Adam, Thank you for the review. You can create monthly recurring checks without any editing. We can give you a demo for this, please call us. Bipin V. Scanning Assistant Government Administration Used the software for: 6-12 months ### "One of the best Software i have used so far" July 16, 2018 5.0 very useful for my job. Pros Tried their Standard plan is worth /month. it has all the features i need, like Create many checks in one click, Upload from excel and create checks, Remote Support etc. Their Customer support is really good. Cons i didn't experienced any cons till now .Will update if i have any issues. Overall experience with Online Check Writer is excellent to me. Review Source Response from Zil.US September 11, 2021 Thank you, we're really happy to hear that you're getting good value out of it! The whole team here at Online Check Writer would like to thank you for taking the time to leave us a review. Michael S. Team Manager Outsourcing/Offshoring Used the software for: 6-12 months ### "Check printing software is a great business solution" July 16, 2018 5.0 The most valuable thing in today's business, time... Pros Easy to use, friendly IU, easy to program, supports most of the OS out there, customer service is very committed to help you.. Cons No cons for using this software, everything is great ! I cannot say that when i call customer support i received a bad services because i will be lying... Review Source Response from Zil.US September 11, 2021 Thank you for taking the time to review Online Check Writer. We are glad to hear that you are happy with our product and services. CM Christopher M. pro se Legal Services Used the software for: Less than 6 months ### "Simplicity" September 6, 2025 5.0 It was an extremely straightforward product that did not take a whole lot the time to figure out or wrap your head around in order to get it going Pros This was extremely easy to use It did not take very long to figure out and was very straightforward You didn't have to download any additional programs which was something that I liked Cons I think it had everything one could look for I don't really believe that there's anything or any features I would have preferred it to have Review Source Response from Zil.US October 4, 2025 Thank you for sharing your feedback! We’re thrilled to hear that you found the platform easy to use and straightforward without the need for extra downloads. It’s great to know the features met your expectations. Your support means a lot, and we look forward to continuing to make payments simple and hassle-free for you! BD Blake D. Owner Information Services Used the software for: 1-2 years ### "Review for Check writer " January 30, 2025 5.0 Pros I love how you can make Checks online and it’s so easy to do so. Especially if it’s hard to get checks from your current bank Cons None at this time. If I see anything then I’ll submit another review. Review Source Response from Zil.US February 14, 2025 We’re glad to hear that creating checks online with OnlineCheckWriter.com- Powered by Zil Money has been easy and convenient for you. If you ever need assistance or have more feedback, feel free to reach out! DE Doniceth E. Director Wholesale Used the software for: Less than 6 months ### "Online Check Writer" July 26, 2022 4.0 Overall, if you are using this service to write paper check, or email electronic checks it's amazing. Anything else they are just not ready for prime time. Price is a little expensive compared to a bank, but it's fairly simple. The customer support is nice, and good for technical support. Worthless for anything financial and I repeat DO NOT WASTE YOUUR TIME OR MONEY USING THE ACH SERVICE. IT IS WORSE THAN HORRIBLE. Pros If you are using this for the purpose of tracking and writing checks it's great. Simple to use, easy to set up and print your paper checks, email an electronic check etc. These features are nice and simple to use. However DO NOT USE THEIR ACH SERVICE. IT IS HORRIBLE!!!! Other than ACH we love their service. Cons ACH SERVICE IS A COMPLETE JOKE, AND NOT SOMETHING I RECOMMEND. WE PAID AN EMPLOYEE BY ACH, THE THE MONEY WAS TAKEN FROM OUR ACCOUNT HE NEXT MORNING, BUT OUR EMPLOYEE HAD TO WAIT MORE THAN A WEEK TO GET HIS MONEY. They want you to keep your money in their wallet to do ACH faster, and that just isn't feasible when you can't get answers quickly, and when they are limited in what they can do to assist you. DO NOT USE THEIR ACH SERVICE. Also, there are a lot of services they promote that don't work at all. Their payroll service does not work. We spent time setting it up only to be told it wasn't ready and doesn't work. Reason for choosing Online Check Writer For writing checks or sending electronic emailed checks it works great!!!!! 10++++. Five Star on this service portion, but everything else, especially the ACH is a FAIL!!!!! Review Source Response from Zil.US July 28, 2022 Hi Doniceth, Thank you for the favorable review. We are trying to improve the ACH services, as you know, it involves multiple intermediaries, and the delays are often systemic. However, we are working hard to find a solution. We have payment methods that work well: checks, wire transfers, credit card payments, e-checks, get-paid links, and more. Also, you have the option to start a Zil Cloud Banking account that we provide and initiate ACH which will be completed within a day. Thank you once again for the feedback. VR Verified Reviewer Business Owner Internet Used the software for: 6-12 months ### "Online Check Writer has really made my check writing life much easier to handle. Thank You!" January 21, 2018 5.0 No more looking for my checkbook. I love having all of my check writing needs available online. I love being able to see everything pertaining to my check writing needs CLEARLY by using this software. My favorite feature is being able to type instead of manually writing information that is needed on the check. My checks look so much better typing instead of writing. My favorite feature is the FREE feature for Consumers that only need fewer than 5 checks per month. After using the 5 free checks you only pay 5 cents per check which is really affordable. Pros I am really excited about the Online CheckWriter software. No more looking for my checkbook. I love having all of my check writing needs available online. I love being able to see everything pertaining to my check writing needs CLEARLY by using this software. My favorite feature is being able to type instead of manually writing information that is needed on the check. My checks look so much better typing instead of writing. My favorite feature is the FREE feature for Consumers that only need fewer than 5 checks per month. After using the 5 free checks you only pay 5 cents per check which is really affordable. Cons The only Cons I have with the Online Check Writer Software is not being able to have artsy designs on the check. You are allowed to customize your checks for free but not really have the check looking really colorful and artsy. Review Source Response from Zil.US October 1, 2021 Thanks for leaving us such a wonderful review. We are thrilled that you loved your experience. So thanks for your kind words and we look forward to seeing you again. CT Chad T. Member Law Practice Used the software for: 6-12 months ### "Office management made easier" July 25, 2022 5.0 The system is easy to use, and support is easy obtained. Pros OnlineCheckWriter.com allows me to send payments to my staff with the click of a button. Often, checks are needed to cover legal filing fees. This system permits me to email checks to my staff easily and quickly. Cons I do not like the cost per check email that was recently implemented. I email most checks because of our remote working structure and rather pay a highly annual rate rather than be charged for each emailed check. Alternatives considered [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/)[Wave](https://www.capterra.com/p/178021/Wave-Apps/)[Asana](https://www.capterra.com/p/184581/Asana-PM/) Reason for choosing Online Check Writer Ease of use Review Source Response from Zil.US July 28, 2022 Hi Chad, Thank you much for this honest review; we value your feedback. Please call us for a custom plan that suits your requirement. DC David C. Owner Hospitality Used the software for: 1-2 years ### "Excellent Small Business Check Management System" July 26, 2022 5.0 Pros I have integrated OCW into my invoicing system with awesome results. I can manage accounts payable and track and manage vendor payments all with ease. The checks I create for vendor payment are professional grade. The provided online check link is invaluable. It removes third party payment fees, and allows my customers to make direct payments, via digital check . I now process more than 80 percent of invoices directly through OCW. This product has helped me streamline and better control fiscal policy and has given me the tools I needed to further expand my business . All done at a price that this small business can afford. Id recommend them to anyone. Cons My only qualm, which does not detract from my overall love of this product, is to have better control over the appearance of 'checks received' through the online digital check link. Review Source Response from Zil.US July 28, 2022 Hi David, That's a wonderful review. Our developers are delighted to see this. We are constantly improving the platform and will work on your suggestion related to check received appearance. TL Tal L. Owner Marketing and Advertising Used the software for: 6-12 months ### "Why I enjoy the online check writer software. " July 25, 2022 4.0 I have enjoyed the service and it’s legitimacy increasing as only made it better and better as time goes on. Pros I enjoyed my ability to get paid quickly and issue legitimate checks to my vendors. I enjoy the fluidity of my businesses billing and expense tracking. Cons I have never been able to use my debit card and I mean never. Sucks cuz it’s one of the original perks I was excited about. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Review Source Response from Zil.US July 28, 2022 Hi Tal, It is nice to know that you are happy with OnlineCheckWriter.com. We take your concern regarding the Debit card seriously as it is an inbuilt feature in our platform. Please call us at (408) 775-7720, and we will correct it quickly. NT Noe T. Broker Insurance Used the software for: 2+ years ### "Easy to Use" April 3, 2023 4.0 Tech support is always there to chat or available by phone. Pros I like that you can print either Blank checks or just a PDF check. Easy use and able to work my own check design. Cons It has become a bit pricy now as a stand alone check printing software. Review Source Response from Zil.US April 5, 2023 Hello Noe, we are thrilled to hear that you like our online check printing software. We understand that cost is always a consideration, so we offer various pricing options to suit every budget. We appreciate your feedback and hope that you will continue to enjoy using our software. Thank you! jL jafet L. Superviser Construction Used the software for: 6-12 months ### "Get payment and get goin with the company" July 22, 2023 5.0 very satisfyte love the easy way to make payment Pros all funtions very easy to do sorftware very friendly Cons too many windows some times stock on it but easy to fix Reason for choosing Online Check Writer it take my attencion Review Source Response from Zil.US May 13, 2024 we are really glad to hear that you find our Online Check Writer helpful! Our customer support team available 24/7 to help you with any issues you may have. Thanks again for the review - we appreciate your feedback! VR Verified Reviewer TELEPHONE BANKER Banking Used the software for: I used a free trial ### "My revier" June 7, 2023 5.0 Pros EASY ACCESS to each user and provide simple instruction Review Source Response from Zil.US June 8, 2023 Thank you so much for your positive review of our company! We are glad to hear that you find our platform easy to use and that our instructions are clear. We appreciate your feedback and we will continue to work hard to provide the best possible service. Thank you for choosing onlinecheckwriter.com! DM Dustyn M. Owner Accounting Used the software for: 2+ years ### "Great for any size bookkeeper " January 12, 2023 5.0 Pros The ability to sync with QBO and add multiple bank accounts or clients makes using this software amazing. It is very easy to setup and use and customize check templates as needed. Cons When they switched their billing model and the functionality of their site it made it very difficult to use for a time being as there were many glitches but their customer support was able to assist me. Review Source Response from Zil.US January 12, 2023 Hi Dustyn, we're glad to hear that you find our software easy to use and customize. We're sorry to hear that you had some difficulty when we switched our billing model, but we're glad that our customer support was able to help you out. We appreciate your feedback and hope that you continue to enjoy using our software. JD Jason D. owner Real Estate Used the software for: 6-12 months ### "Sketchy" July 25, 2022 2.0 While the software works it lacks the features and functionality of some of the competitors. This was easy to overlook when they did not nickel and dime you on all of the transfers. They recently changed the pricing without warning and it is much more expensive to accept and receive any payments. We have stopped using and are moving to a more reliable and now less expensive option. Pros I liked that it synced with our ZOHO books account Cons The inability for my to accept payments via ACH into my account Reason for choosing Online Check Writer Cost Review Source Response from Zil.US July 28, 2022 Hi Jason, We understand you are upset with our recent price increase. As you have noted, we provide a high-quality platform and have to start charging for transactions to maintain quality. But, for a customer like you, our 499.99 plan can cut transaction costs by 81%. Moreover, this plan provides $500 worth of free credit, which effectively cancels the subscription cost and simultaneously reduces the transaction charges to meagre rates. If you still feel the price is high, we can provide custom plans suitable for your transactions. Please call us, and let's help you find a plan that fits your requirement perfectly. JB Jason B. Partner Law Practice Used the software for: 2+ years ### "Great option if you have a lot of accounts" July 25, 2022 5.0 Pros I have a business model that manages dozens of bank accounts. I needed a centralized check printing software. OCW was perfect for my needs, is reasonably priced, and is easy to use. It was the perfect solution for what we needed. Cons The pricing structure can be a little steep, but the "pay as you go" option that is now available seems to work for my needs. I would like to see a cheaper, all-in, option with unlimited accounts. Review Source Response from Zil.US July 28, 2022 Hi Jason, Thank you for this excellent review. Please call our team; we will create a custom plan for you. HS Heidi S. CEO Construction Used the software for: 2+ years ### "Simple all the way around." August 4, 2022 5.0 Online Check Writer is simple to use all the way around. Pros I like most is that I pay one price for the year and then I don't have to worry about it. Cons I like all the features that I use. And those are check writing and deposit slips. Review Source Response from Zil.US August 8, 2022 Hi Heidi, Thank you very much for the great review SRS Santosh Reddy S. Founding Partner Legal Services Used the software for: 1-2 years ### "Easy to use" July 25, 2022 5.0 Easy to use the software Pros Easy to use the software compared with other products in the market Cons Electronic-checks - looks like this is bit confusing Reason for choosing Online Check Writer Easy to use the software Review Source Response from Zil.US July 28, 2022 Thank you Santosh for this excellent review. Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.