How to Send Money by Online Check

Online check.

Sending money by way of online check, also known as an e-check, is a great way to securely send money via the Web. Unlike writing paper checks, you don't need a specific check number. You just use your bank account's information, and the money comes straight out of your checking account. Depending on which service you use, e-checks can take up to a week to clear, but it is more secure than writing a personal check for a few reasons. No one can change the amount of the e-check, and you don't have to worry about it getting lost and going into the wrong hands.


Step 1

Find out what payment methods the site you are using accepts. This will depend on which service you use to send money via online check. If you are sending money to a person and not a business, PayPal is the standard for sending e-checks.

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Step 2

Sign up for the service if you haven't already. You will have to link your bank account information via the secure server. Make sure you are using a trusted service that is well known.


Step 3

Link your checking account information with your online service. It will have you verify your account with the routing and account numbers. They are the numbers at the bottom of the check. Don't worry if you don't know what they are; the online payment service will tell you exactly how to find them.



Step 4

Get the person's username on the payment site to know who to send it to. If you are sending your e-check to a businesses website, this should all come at the checkout page.

Step 5

Finish the transaction by specifying the amount you are sending.


Check your bank account to make sure the e-check went through smoothly.

Things You'll Need

  • Subscription to online money service

  • Bank routing number (located on check)

  • Checking account number



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