User Reviews Overview
About Online Check Writer
Online Check Writer is a cloud-based solution that helps businesses manage accounts payables/receivables, payment processing, reconciliation, and other financial activities on a unified portal. The platform enables administrators...
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- Industry: Government Administration
- Company size: 201–500 Employees
- Used Daily for 6-12 months
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Review Source
One of the best Software i have used so far
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.
Response from Zil Money
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.
- Industry: Construction
- Company size: 2–10 Employees
- Used Daily for 1+ year
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Review Source
Awesome
Love the ease of the system and how helpful it is to our business.
Pros
The system is easy to use and easy to set up to what you need. Make life easier by printing checks instead of writing them out.
Cons
Wish when they do updates they lets us know how to use them.
Response from Zil Money
Hi Jill,
Thank you very much for this great review. Yes, we might have missed communicating to our customers about new features on time. Developing new user features has been a priority, so we were in a rush to achieve that and were focused entirely on that - apologies for the misses. We are now communicating new changes to customers as quickly as possible.
- Industry: Events Services
- Company size: 2–10 Employees
- Used Monthly for 1+ year
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Review Source
Poor Customer Experience
Online Checkwriter is very inconsistent with their processes and their phone agents are extremely rude. When it comes to paying vendors and you advise the estimated date of when their direct deposit should hit their account, you need to be very precise. It's okay to be a day off of the date advised but 1-2 weeks beyond that is crazy! I don't trust that I can continue using this software due to the lack of speed in processing ACH deposits.
Pros
I like the fact that this software is available online and that it gives me the capability of paying my vendors via ACH or check.
Cons
Online Checkwriter has poor customer service when it comes to their processes and procedures. Before implementing a process to pay my vendors via ACH, I called Online Checkwriter and walked through the process to ensure that I had it correctly. I even ran a couple of live test transactions to confirm the process works for me. When I started paying my vendors, I was advised that it would be 3-5 days for them to receive payment. After relaying this to a vendor I was then told that it's up to 9 business days unless I fund my wallet in advance. For the next vendor, I funded my wallet first and then processed an ACH which should have been deposited on the next business day. Again, the funds were not deposited and sat in the vendor's newly created wallet within Online Checkwriter (the vendor did not request this wallet account) for over a week. I called and spoke with the ACH department who said regardless of what I was told by a previous agent, I need to upgrade my subscription and follow a process that was never given to me.
Response from Zil Money
Thank you for your positive review. Furthermore, we apologize for the difficulties you may have experienced. The customer service team is expanding its capabilities to provide better customer service and to address customers' doubts. We have a 24-hour chat team and call support between 8 AM CST to 8 PM CST. Feel free to reach us back for any assistance.Our team ready to help you
Top Online Check Writer Alternatives
- Industry: Apparel & Fashion
- Company size: 11–50 Employees
- Used Weekly for 6-12 months
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Review Source
Online Check writer Review
Pros
The software assists mostly in in payment processes as it swiftens the business procedures
Cons
The software needs training in order to use. Didn't see any negative
Response from Zil Money
Hello Furby, we are glad to hear that you find our software helpful in streamlining payment processes. We do offer training to help get users up to speed on how to use our features, so please feel free to reach out if you need any assistance. Thanks for taking the time to write this review!
- Industry: Hospitality
- Company size: 11–50 Employees
- Used Daily for 1+ year
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Review Source
Excellent Small Business Check Management System
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.
Response from Zil Money
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.
- Industry: Accounting
- Company size: Self Employed
- Used Daily for 1-5 months
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Review Source
Too Slow
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.
Response from Zil Money
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.
- Industry: Marketing & Advertising
- Company size: 2–10 Employees
- Used Daily for 6-12 months
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Review Source
Why I enjoy the online check writer software.
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 OnlineResponse from Zil Money
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.
- Industry: Legal Services
- Company size: 11–50 Employees
- Used Weekly for 2+ years
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Review Source
Happy with Check Writer
Over all I love it and will continue to use it.
Pros
I like the ability to email payments to our servers. I like the ability to be able to send payments from any device quickly. I like the ease of use and easy learning curve.
Cons
They offer direct deposit free but charge for emailing a check. Feel that it should be the other way around since email really doesn’t create any extra work like a direct deposit would.
Also would like to be able to enter a date on each individual line of a deposit slip without having to type it in and click on the date, would like to have a calendar pop up to choose a date on each line.
Response from Zil Money
Thank you Tammie for this great review, we have noted your suggestion about the direct deposit fee and email check fee.
- Industry: Arts & Crafts
- Company size: 2–10 Employees
- Used Daily for 6-12 months
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Review Source
Awesome
Very happy to use it.
Pros
Time saving, user friendly, easy to access
Cons
No such cons. But can be upgra with time and demand
Response from Zil Money
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.
- Industry: Real Estate
- Company size: 2–10 Employees
- Used Weekly for 1+ year
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Review Source
Highly recommend!
Pros
Very easy to process payments and issue checks.
Cons
There is nothing that I don't like about the software
Response from Zil Money
Dear Customer,
Thank you for the great review. We truly appreciate you finding time to review our product
- Industry: Computer Software
- Company size: Self Employed
- Used Monthly for 2+ years
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Review Source
If you don't want to bend the knee to Intuit ...
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.
Response from Zil Money
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.
- Industry: Accounting
- Company size: 2–10 Employees
- Used Daily for 2+ years
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Review Source
review 08-04-2022
i was satisfied in the beginning not now
i am paying 499 which technically i use only a portion of the subscription but i did to support you guys
but with the new charges it is expensive
Pros
no pros lately
it become very expensive
0.99 per manual transaction plus 0.01 the amount of the check it is like min 6 cost for me per transaction
Cons
I USE TO LIKE IT BUT I MAY RESEARCH FOR SOMETHING ELSE
you guys are very expensive
i will like to talk to someone before i switch to someone else
Response from Zil Money
Hi Ioannis,
Please call us, and we will be happy to give a custom plan for you. Now, you have the option to pay only for services that you use.
- Industry: Retail
- Company size: 11–50 Employees
- Used Monthly for 2+ years
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Review Source
In the words of my bank - "This is Scam-like"
While I've been a customer with OCW for many years, their recent merge with Zil Money has changed the company in the customer service department. No longer are they willing to listen to concerns with a "customer first" mindset. When approached with a problem, they refuse to acknowledge an issue. Even when it requires involvement from the internal development team after multiple attempts to issue checks. 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. Insufficient credit was provided for this inconvenience.
Pros
OCW's platform is quick to learn and has in intuitive user interface
Cons
Customer service was awful and inflexible when trying to address multiple concerns within a very short timeframe. They had an opportunity to step up and deescalate my situations but refused to do so. Their inflexible approach to customer service just lost me as a client.
Response from Zil Money
We apologize for the concern you faced from us. The team is ready to hear and solve your issues.
- Industry: Construction
- Company size: 2–10 Employees
- Used Daily for 2+ years
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Review Source
Simple all the way around.
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.
Response from Zil Money
Hi Heidi,
Thank you very much for the great review
- Industry: Construction
- Company size: 11–50 Employees
- Used Daily for 6-12 months
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Review Source
The best, but still not very good
Pros
The stuff that works is great. For our needs it's nearly a perfect fit
Cons
When stuff doesn't work, support acts like they are working on it. Then they always need more time. If you ask them to let you know when it is fixed they say absolutely and then never let you know. And they have about a 50% chance of fixing the issue.
Check register does not work. Signature does not work on some profiles
Response from Zil Money
Thank you Jon for the review and we are happy that the platform meets your requirement very well. We have noted your valuable feedback regarding customer service and will be taking corrective steps quickly.
- Industry: Retail
- Company size: 2–10 Employees
- Used Weekly for 1+ year
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Review Source
Simple to use
Pros
This product is very simple to use. It saves all contact information for easy and fast check writing. It keeps a log of all checks distributed. Very easy to void checks and to customize your checks.
Cons
The app does not work well when you are in a low service area, past checks and contacts will not show up at all. When it came time to set up a payment account for this product, I would have liked a notification that Online Check Writer was going to start charging, instead of logging on and all of a sudden not being able to print out checks. Other than that hiccup, product works great, I don't mind paying.
Response from Zil Money
We are so grateful for your kind words. Thanks for sharing your review with us.
- Industry: Accounting
- Company size: 11–50 Employees
- Used Daily for 6-12 months
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Review Source
Amazing software but needs improvement
Pretty good. Very glitchy software but I think OCW has a lot of potential so that's why I am sticking with it
Pros
I like the segregation of duties: one person can cut enter data, another approve checks and another print the check. I love the new QBO integration
Cons
Very very glitchy. Sometimes things do not sync with QB
Response from Zil Money
Hello JeanSebastien, Sorry for the inconvenience cost you while using our software. Our developers updated all the glitches. For any assistance you can reach our customer support team, they will help you
- Industry: Insurance
- Company size: 2–10 Employees
- Used Daily for 1+ year
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Review Source
Online Check Writer Review
Pros
Ease of Use. The product is portable and can be used on my dual locations.
Cons
Nothing really to be compared with. Not sure if there are features that I'm not taking advantage of.
Response from Zil Money
Hi Bobby,
Thank you for the great review here. Please call us for a demo to understand all our product features; it will benefit you.
- Used Daily for 6-12 months
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Review Source
Painless Way to Do Small Business Payroll
Pros
This is a sponsored review. Online Check Write is an amazing service that has allowed our small business to keep up with our payroll and our clientele. What is especially helpful is that Check Write keeps all your checks in the cloud, so we no longer have to worry about throwing away one of our old checks.
Response from Zil Money
Thank you so much for your great review, we're glad you're enjoying Online Check Writer and would love to hear from you if you need any help using the tool. Hope to see you again.
- Industry: Government Administration
- Company size: 1,001–5,000 Employees
- Used Daily for 6-12 months
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Review Source
Why I like Online Check Writer
50/50. I love it for the different features it has but don't love it for how expensive it is
Pros
Invoice Processing, How easy it is to get paid.
Cons
How Expensive the Software is, How my account gets locked everytime
Response from Zil Money
Thank you Carson for the review.
We will check your account for the frequent lockout reason. As you are aware, we have multiple plans which can cut your transaction costs by up to 81%. Please give us a call if you need any help in this regard.
- Industry: Nonprofit Organisation Management
- Company size: 11–50 Employees
- Used Weekly for 1+ year
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Review Source
A super helpful and intuitive solution
It's been great! Everything that I need and simple to use.
Pros
Online checkwriter is incredibly easy to use and implement. It is a perfect solution to pair with Quickbooks Online.
Cons
I use Online Check Writer exclusively for printing processed checks. There seem to be a lot of other features but I am not utilizing them due to the way our business is structured.
Response from Zil Money
Thank you Kim for the review. As you have noted we do provide a host of services apart from check printing. We offer an all-in-one payment platform in which you can do credit card payments even where they are not accepted, wire transfer, ACH, echecks, get-paid links and more.
- Industry: Real Estate
- Company size: Self Employed
- Used Weekly for 2+ years
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Review Source
Online Checkwriter is really good!
It has been extremely convenient being able to send a check on the spot, no matter where I am, with out a delay in the process.
Pros
Ability to email checks and the accessibility via computers and mobile apps
Cons
There are no clear instructions on how to set up the approval process for each bank account
Response from Zil Money
Hi Awri,
Thank you very much. Our team has noted the feedback regarding the approval process for bank accounts and will do the needful to make it happen.
- Industry: Civil Engineering
- Company size: 11–50 Employees
- Used Daily for 6-12 months
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Review Source
Excellent product
Pros
I love just about everything. I have several business and this has saved us so much on the expense of checks and it is so easy to use - would highly recommend to any business owner.
Cons
None that I can thing of - they have everything!!
Response from Zil Money
Hi Jackie,
This is a wonderful review and an experience we strive to achieve for each user.

- Industry: Outsourcing/Offshoring
- Used Weekly for 1+ year
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Review Source
One of my way of saying, I made my life easier using this software in my web business.
Pros
The software is very user-friendly. This is a big advantage to other software I used before. The process of signing with each check I issue is very easy, just a click of a mouse and it's done.
Cons
Nothing. The usual software is very complicated and the instructions are hard to follow especially to those who are not computer savvy.
Response from Zil Money
First of all, we would like to thank you for your kind words so far. We apologize that our service did not satisfy your expectations. . We are always improving our product and service to make our customers happy.
- Used Weekly for 6-12 months
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Review Source
Very convenient solution!
Pros
The ability to import existing data to this site and the convenience of being able to use any computer to have our checks printed is awesome! It's also very helpful that no actual software is required to complete the process, and that there aren't any extra steps to send the information to accounting is well thought-out. This is a sponsored review
Cons
The only issue that we have experienced is more due to our slow internet connection than anything else. The website could be a bit leaner to help with load times.
Response from Zil Money
Thank you so much for such a great review! We work really hard to offer you the best possible service, so we are happy to see that reflected in your feedback service.