Electronic Fund Transfer

Electronic Fund Transfer (EFT) is a digital payment from a bank account. It is typically used to pay bills or to send money to another person or organization. Zil Money offers its customers easy and quick Electronic Fund Transfers, including ACH, wire transfers, credit card payments, etc. It also allows customers to create, design, and send checks by mail or email.

Zil Money is a financial technology company, not a bank or an FDIC member. Zil Money offers banking services through partnership with FDIC member banks Silicon Valley Bank and Texas National Bank.

Happy Customers

New Customers a Week

Transactions Per Week

EFT Payments

Customize, Print, and Mail Checks

Users can customize and print unlimited checks hassle-free using Zil Money with any ordinary printer at home or the office, as permitted by the Check 21 Act. The platform also offers eChecks for digital payments via email or text, with an option to print if needed. Quick same-day processing is available for checks in the mail, with easy online creation and affordable USPS or FedEx delivery. The user-friendly software streamlines the entire process, making check printing, labeling, and mailing simple and efficient.

Features at Your Fingertips

From accounts payable and receivable functionalities to comprehensive online payment and beneficial integrations, Zil Money can meet the payment management requirements of all types of businesses.

Check Printing

Check Printing

Drag and drop to instantly create checks & print using any printer.

Pay By Credit Card

Pay By Credit Card

Use credit cards even when your vendors don't accept them.

ACH Payment

ACH Payment

Make one-time or recurring ACH/RTP payments in one click.

Wire Transfers

Wire Transfers

Send money electronically from one financial institution to another.

Bill Pay

Bill Pay

Pay & schedule bills online, managing supplier payments & reducing risk.

Digital Checks

Digital Checks

Digitize your paper checks and make your payments via email or text.

Software Integration

Software Integrations

Integrate Zil Money with your accounting and payroll software.


Cloud Bank

Open an online checking account with Zil.us. Streamline payment management & save.

Payment Link

Payment Link

Create and send a secure URL for customers to make online payments easily.

ACH Payments

ACH is a US electronic payment system enabling easy money transfers between bank accounts with lower fees. The platform offers encrypted protection for secure automatic payments and deposits, promoting convenience and reducing paper usage. NACHA oversees ACH operations to ensure smooth processing. While standard ACH takes 1-2 business days, the platform provides same-day processing. Same-day ACH transactions offer a quick, efficient payment method, improving cash flow management. Zil Money’s Same Day ACH simplifies transactions, reduces costs, and allows seamless financial management, offering a speedy, secure, and affordable alternative to the traditional payment system.

Advantages Of EFT

Why Zil Money!

A technology-first approach to payments and finance

Easy to Access

High Security

Easy Payment

Electronic Payment

Secured Transactions

The online payment platform lets users make quick and secure transactions from home or office. Automated from start to finish, Zil Money ensures payments are safe with state-of-the-art security features. Users can conveniently manage all transactions in one place. The reconciliation software helps customers quickly reconcile bank accounts and ensure accuracy. Integration with over 22,000 banks and financial institutions in the US and Canada helps prevent fraudulent activities.


In total transaction volume


Connected banks & financial institutions


Monthly business users


Total users, and growing

Cash Flow Management

Zil Money helps organizations manage cash flow with powerful tools and an easy-to-use interface. Businesses can track cash flow, set up regular payments and automatic reminders, and generate financial reports. Zil Money simplifies cash flow management and enhances organizations’ financial security.

Highly Protected Platform


Frequently Asked Questions(FAQ)

What is electronic fund transfer?

Electronic fund transfer (EFT) is a system that enables the transfer of money between bank accounts through electronic means, eliminating the need for the physical exchange of cash. This process includes various forms of electronic payments, such as direct deposits, wire transfers, and online bill payments. Zil Money offers EFTs at an affordable rate.

How long does an electronic fund transfer take?

The time it takes for an electronic fund transfer (EFT) to complete can vary, typically from a few seconds to a few days. While some EFTs, such as wire transfers, can be nearly instantaneous, others, like ACH transfers, may take 1-3 business days to process. Zil Money offers secure and fast EFTs at affordable rates.

How does electronic fund transfer work?

Electronic fund transfer (EFT) works by digitally moving money from one bank account to another through a secure network. This process involves the sender authorizing the transfer, the bank verifying the request, and the recipient's bank receiving the funds, all facilitated by electronic communication systems. With Zil Money, businesses can make secure and fast EFTs at affordable rates.

Are Electronic Funds Transfers safe?

Electronic Fund Transfers are a quick and convenient way to send and receive payments. They are also incredibly safe, as payment information is delivered through secure communication channels and encrypted using 128-bit SSL. This means that your payments are protected from interception and fraud. Use Zil Money to send EFTs safely.

International Wire Transfers and Domestic Wire Transfers

An international wire transfer involves sending money between banks in different countries. It often requires additional information and takes longer to process due to international regulations and currency conversions. On the other hand, a domestic wire transfer occurs within the same country and is usually faster and simpler, typically completed within the same day. Zil Money offers both international and domestic wire transfers at affordable costs.
Zil Money - Cloud Based Platform
Fintech Software
RATING: 4.6 ( 10164 ratings )
Price: $49.99/Year




Vendor Management: Easily handle bill payments, instant check printing and mailing, invoicing, positive pay, and access User/API features across various platforms.

User-Friendly Interface: Zil Money's interface is intuitive and easy to navigate, making it accessible for users of varying technical proficiency.



Ease of deployment and use. Normally, a switch like this is both time-consuming and confusing, but in this case, it was super easy.



The dashboard and the customer support are amazing! Never has a company been there like Zil Money and answered all my questions before letting me go. Thank you.



I love that I am able to process payments and do ACH transfers very easily.



Total Money Moved

9,520,030,217 +

Total People Paid

1,020,421 +

Total Businesses Satisfied

201,304 +