Quick answer
If you need to send money by ACH, have checks mailed for you by USPS, or run multiple users and bank accounts under one payments dashboard, OnlineCheckWriter is built for that, at per-transaction prices. If you just want to design, print, or email a real check yourself without paying per check, Quick Check Writer's flat monthly fee is cheaper for most home and small-office use.
Side-by-side comparison
| OnlineCheckWriter.com | Quick Check Writer | |
|---|---|---|
| Pricing model | Pay As You Go: $0 monthly fee, $30 minimum recharge, then per-transaction fees | Flat monthly fee: $1.99–$4.99, unlimited checks |
| Print a check yourself | $1.00 per check | Included, unlimited |
| Email a check | $1.00 per check | Included, unlimited (Share by email, WhatsApp, or text) |
| Mail a check (USPS) | $1.25 per check, one click | Not offered |
| ACH transfer | 1% of amount, capped at $5 | Not offered — Quick Check Writer doesn't move money |
| Bank accounts / users (entry plan) | 3 bank accounts, 3 users | 1–10 bank accounts depending on plan; single user |
| Where your data lives | OnlineCheckWriter's cloud platform | Saved only on your device |
Prices as of Oct 27, 2026. Sources: onlinecheckwriter.com/pricing and OnlineCheckWriter's support article "What are the charges for Online Check Writer?"
Who should pick OnlineCheckWriter
- You need to actually move money — by ACH, by mailed check, or by email — not just print one, and you want that handled from one dashboard.
- You run a small team that needs multiple users with different permissions on shared bank accounts.
- You print checks rarely enough that paying $1 per check beats a monthly subscription, or often enough that the Enterprise custom-pricing tier makes sense for your volume.
Who should pick Quick Check Writer
- You print a steady number of checks each month and a flat fee is cheaper than stacking $1-per-check charges. At even 5 checks a month, OnlineCheckWriter's print+email fees alone can exceed Quick Check Writer's $1.99 Basic plan.
- You don't need ACH, mailing, or multi-user accounts — you just need to print checks at home or email a check as a PDF.
- You'd rather your account and routing numbers stay on your own device than live in a cloud payments platform.
Write your first check free
No download and no credit card. Add your bank once, fill in the check, print or share it as a PDF.
Write your first check freeThe real difference: platform vs. printer
OnlineCheckWriter is, at its core, a payments platform. Printing a check yourself is one of its cheaper options; its main business is moving money for you — ACH, mailed checks, bill pay — each billed per use, which is why it has no flat monthly fee and instead asks for a $30 minimum recharge to its wallet. Quick Check Writer doesn't move money at all. It designs and prints (or emails as a PDF) a check that you then hand over, mail, or send yourself. If what you actually need is a payment to go out without you printing or mailing anything, OnlineCheckWriter's mailing and ACH features do something Quick Check Writer simply doesn't attempt. See our breakdown of eCheck vs. paper check for more on that distinction.
Cost example
Say you print and email 10 checks a month. On OnlineCheckWriter's Pay As You Go plan, that's roughly $10 in print fees plus $10 in email fees — about $20, on top of maintaining the $30 wallet minimum. On Quick Check Writer's Pro plan, the same 10 checks cost $4.99 flat, with up to 10 companies and bank accounts included. If you add mailing or ACH on OnlineCheckWriter, the cost rises further, but you also gain a feature Quick Check Writer doesn't have at any price.
What Quick Check Writer doesn't do
To be fair: Quick Check Writer has no ACH, no check mailing, no multi-user accounts, and no bank integration. If moving money electronically or having someone else mail your checks matters to you, that's a real reason to choose OnlineCheckWriter over a flat-fee printer.
Related reading: Checkeeper alternative, printing business checks, and blank check stock.
Switching between the two
Moving from OnlineCheckWriter to Quick Check Writer mainly means giving up the mailing and ACH options in exchange for a flat fee and on-device storage. Set up your company and bank account once, choose your check layout (top, middle, bottom, or 3-per-page), and print a plain-paper alignment test before using real check stock. If you still need ACH transfers or mailed checks occasionally, nothing stops you from keeping both tools for different jobs — Quick Check Writer for routine printed checks, OnlineCheckWriter for the transactions that need its platform features.
Frequently asked questions
Is OnlineCheckWriter free?
There's no monthly fee on the Pay As You Go plan, but it requires a $30 minimum wallet recharge and then charges per transaction — $1 to print a check, $1 to email one, $1.25 to mail one, and 1% (capped at $5) for ACH.
Can Quick Check Writer send money by ACH?
No. Quick Check Writer only designs and prints or emails a check as a PDF. It does not move money or process ACH transfers.
Which is cheaper if I only print checks, never mail or ACH?
For regular use, Quick Check Writer's flat $1.99–$4.99/month usually beats OnlineCheckWriter's $1-per-check printing fee once you're printing more than a couple of checks a month.
Does OnlineCheckWriter mail checks for you?
Yes, with one click, by USPS First Class, for $1.25 per check. Quick Check Writer does not offer mailing — you print and mail it yourself.
Can I have multiple users on Quick Check Writer like OnlineCheckWriter's Pay As You Go plan?
No, Quick Check Writer is a single-user app, though its Pro plan supports up to 10 companies and bank accounts under that one login.
Related guides
Sources: OnlineCheckWriter pricing; OnlineCheckWriter support: What are the charges for Online Check Writer?
Last updated October 27, 2026.