OnlineCheckWriter.com vs SimpleChex

OnlineCheckWriter.com is a cloud-based platform for check writing and business payments. It supports printing checks at home or in an office with any printer, as well as mailing checks, eChecks, ACH, wire transfers, invoices, and payment links. Its check-mailing service is listed at $1.25 through USPS or FedEx, including postage and paper charges. The service also supports MICR printing, blank checks, direct accounting imports, and customizable layouts. Businesses can generate payroll checks and send them by email or SMS. Role-based access and approval workflows are available for accountants or clients, and listed integrations include QuickBooks, Xero, Zapier, Zoho Books, Zoho Payroll, and Bill.com. Developer options include an API and white-label solution. It lists web, Android, iOS, and API availability. The cloud platform plan is $5 a month, and a 15-day trial and free plan are listed. The company says it is a financial technology company, not a bank; banking and money movement are provided through partner institutions and licensed providers.

SimpleChex is a web-based service for creating business checks as PDFs with MICR-encoded routing and account numbers. Users can print checks on plain white paper or blank check stock, including Costco NL-VT-compatible stock, or email a PDF for the recipient to print and deposit like a check. The product uses the E-13B MICR font used by bank scanners. Users can save payees and addresses, and add an image or typed signature to checks. SimpleChex logs checks, batches, and emails, and past checks can be reprinted as PDFs. Firm accounts allow unlimited team members, with access scoped to selected businesses or bank accounts. For QuickBooks payroll, users can upload a payroll PDF for a MICR line to be added to each page. The service does not hold, transmit, or process funds; checks clear through the user's existing bank relationship. The free plan is free and allows one business, unlimited bank accounts, 10 checks per month, and one user. Solo costs $5 a month; Firm costs $19 a month and includes up to 10 businesses, with each additional business at $2/mo.