How to create check draft from Online Check Writer?

This page shows how to create a check draft in ZIL MONEY. You apply for Check Draft first. Our team reviews your application. After it is approved, you can create check drafts. New to the idea? Read What is check draft? first.

Quick answer: Go to RECEIVABLES, then Check Draft, and apply by selecting a bank account and a business. Once your application is approved, click New Check, enter the amount, choose who you are collecting from, add their bank account, pick the account to deposit into, and click Save.

Part 1: Apply for Check Draft

Step 1

Open Check Draft

In the left menu, click RECEIVABLES, then click Check Draft.

Left menu with the RECEIVABLES group open and Check Draft in the list

Step 2

Click Apply for Check Draft

The page says "Apply for Check Draft to start creating check drafts". Click Apply for Check Draft.

Check Draft page with the Apply for Check Draft button

Step 3

Select a bank account and a business

Select the bank account you want to use. Then select the business the bank account belongs to. If it belongs to another business, choose Other Business. Click Submit.

Apply for Check Draft form with a bank account and a business selected

Step 4

Confirm your application

A Confirmation pop-up asks you to confirm. Click OK.

Confirmation pop-up for the Check Draft application with Cancel and OK buttons

Step 5

Wait for approval

The page now says Application Submitted and the status shows Applied. Our team reviews your application, and you do not need to do anything. You get a notification when it is done.

Application Submitted page with the status Applied

When your application is approved, you get a Check Draft Approved notification. The Check Draft page then shows the New Check button and your list of check drafts.

Check Draft page after approval with the New Check button and an empty list

Part 2: Create a check draft

Before you start: Get the payer's approval first, and keep a record of it. In the app, the person you collect money from is called the payee.

Step 1

Enter the amount and choose the payee

Click New Check (or New Check Draft if your list is empty). Under How much would you like to send?, enter the amount. Then search for the payee by name, or click Add New Payee.

Check Draft window with an amount and a payee search

Step 2

Add the payee's bank account

A check draft takes the money from the payee's bank account. If the payee has no bank account saved, the app says Please add bank account for payee. Click Add.

Pop-up saying Please add bank account for payee with Cancel and Add buttons

Fill in the form: choose ACH, WIRE/RTP, or both. Then enter the account holder's legal name, the 9-digit routing number, and the bank account number twice. Choose the account type: Business Checking, Business Savings, Personal Checking, or Personal Savings. Click Add.

Add Bank Account form with ACH selected, routing number, account number and account type

Then pick the saved account in the Payee Bank Account box on the right. The box shows the account number, routing number, account type, account holder, and bank name.

Payee Bank Account box on the right showing the saved account details

Step 3

Pick the account to deposit into

Under Deposit to account, choose your own bank account. This is where the money goes. You can also click Add New Bank Account.

Deposit to account list with a bank account selected

Step 4

Add the details

Under Additional Details, the app fills in the Check Number and today's Date. You can also add an account number, an invoice number, a comment to yourself, a category, and a memo. There is an Ask for Permission box, and a Make this payment recurring box if you need a repeat payment.

Additional Details with check number, date, category, memo and the Ask for Permission box

Step 5

Save or print

Click Save to save the check draft. You can also click Print to print it. A saved check draft shows in your list with the status New.

Check Drafts list with one check draft with the status New

What you can do with a saved check draft

Click the three dots in the row. The menu has Print, Delete, Add Comments, Clone, Add Attachment, and Audit Trail. The list also has filters: All, New, Pending Approval, and Approved.

Row menu with Print, Delete, Add Comments, Clone, Add Attachment and Audit Trail

Common questions

Why do I have to apply first?

You apply once so our team can review your request. After it is approved, you can create check drafts.

Who approves my application?

Our team reviews and approves it. You do not need to do anything but wait for the notification.

Why does the payee need a bank account?

A check draft takes the money from the payee's bank account, so the app needs the bank details.

Do I need the payer's approval?

Yes. Get the payer's approval before you create a check draft, and keep a record of it.

I need help with Check Draft.

Call (408) 775-7720 or use the chat box in the lower right corner of the app.

This page gives general information. It is not legal advice.