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It's a split decision.
Choose Checkeeper if your main job is printing checks, using custom templates, and tracking check records. Its listed plan is $14.99 per month, with optional mailing at $1.50 per check. Choose Online Check Writer if you also need ACH, wires, eChecks, invoices, or payment links. Its Pay As You Go plan has a $0 monthly fee, but requires a $30 minimum recharge and has per-transaction fees. The better fit depends on whether you need check printing or broader payments.
01Side by side
| Checkeeper | Online Check Writer | |
|---|---|---|
| Starting price | $14.99/month; mailed checks cost $1.50 each. | $0/month; $30 minimum recharge. |
| Free plan | No free plan; 14-day free trial. | Free Pay As You Go plan. |
| Best for | Check printing and optional mailed checks. | Business payments alongside check printing. |
| Core strength | Templates, check printing, and check records. | Checks, ACH, wires, eChecks, and invoices. |
| Learning curve | Not published. | Not published. |
| Integrations and records | QuickBooks, FreshBooks, Xero; registry reports. | Accounting sync advertised; platforms not named. |
| Team/seat costs | User limits not published. | Three users and three bank accounts included. |
| Support | Support details not published. | Support details not published. |
Checkeeper Choose Checkeeper if
- Choose Checkeeper if check printing is your main requirement.
- Choose Checkeeper if you want custom check templates.
- Choose Checkeeper if you need check registry reports.
Online Check Writer Choose Online Check Writer if
- Choose Online Check Writer if you need ACH or wire payments.
- Choose Online Check Writer if you send or receive eChecks.
- Choose Online Check Writer if you need invoices and payment links.
02Pricing compared
Checkeeper’s pricing page lists one plan, Unlimited Access, at $14.99 per month. It includes unlimited checks and templates, printing on check stock or blank paper, and accounting connections. The page lists a 14-day free trial and no annual rate. Mailing is extra: $1.50 per check, including envelope, postage and mailing.
Online Check Writer’s Pay As You Go plan has a $0 monthly fee, but it requires a $30 minimum recharge. Online check printing and emailed checks cost $1 each; USPS First Class mailing costs $1.25 per check. The plan includes three bank accounts and three users. Enterprise pricing is custom, and its check mailing is listed as starting as low as $0.80. Other payment fees apply, so compare the charges for the methods you’ll actually use before switching.
03Features and depth
Checkeeper is centered on printing and managing checks. It can print on existing check stock or blank paper, and its template editor lets users adjust logos, images, fonts, sizes and signatures. MICR font encoding is available. The product also offers check registry reports and search tools, plus connections to QuickBooks Online, FreshBooks, Xero and other accounting programs. Mailing is available for an added per-check fee.
Online Check Writer covers more payment types. Alongside check printing and mailing, it supports eChecks, ACH, RTP and wire transfers. Businesses can also send invoices and payment links, accept credit card payments, and sync with accounting platforms. That breadth comes with transaction charges: for example, the listed Pay As You Go rates include bank-funded ACH at 1% with a $0.50 minimum and $5 maximum, and domestic bank-funded wires at $15. Checkeeper is the more focused option; Online Check Writer fits teams looking to handle multiple payment workflows in one service.
04Ease of use and learning curve
The available feature lists point to different kinds of setup. Checkeeper’s main decisions are how to format checks, whether to add MICR encoding, and whether to print in-house or pay for mailing. Its template editor and check records are relevant if you need control over check appearance and a way to track issued checks.
Online Check Writer offers more payment routes, but that also means comparing fees and choosing among checks, ACH, wires, eChecks and card payments. Its Pay As You Go plan caps the account at three bank accounts and three users; larger needs may require custom Enterprise pricing. We’d favor Checkeeper for a narrow check-printing workflow and Online Check Writer when the extra payment options justify reviewing more rates.
Questions people ask
Which is cheaper for occasional check printing?
Online Check Writer has a $0 monthly fee, but its Pay As You Go plan requires a $30 minimum recharge and lists online check printing at $1 per check. Checkeeper costs $14.99 per month, with unlimited checks listed; mailing costs an additional $1.50 per check.
Which service is better for mailing checks?
Both offer check mailing. Checkeeper lists a flat $1.50 per check, including envelope, postage and mailing. Online Check Writer lists USPS First Class mailing at $1.25 per check on Pay As You Go, with other tracked and expedited options at higher prices.
Can I use either product for ACH and wire payments?
Online Check Writer lists ACH, RTP and wire payments, alongside checks and eChecks. Checkeeper’s listed features focus on printing and mailing checks, templates, check records and accounting integrations; ACH and wire payments are not listed on the vendor's site.
Which one has a free trial?
Checkeeper’s pricing information lists a 14-day free trial. Online Check Writer lists a $0-monthly-fee Pay As You Go plan with a $30 minimum recharge, but no free trial is listed. The $0 monthly fee does not mean its transactions are free.