Check writing requires replenishing both your bank account and checkbook. What is the best way to order new checks that are both quick, cheap, and safe?
Your Options for Ordering Checks
You have the following three options if you require personal checks or company checks:
- Purchase a fresh set of checks from a catalog or online.
- Make a call to your bank and ask for more checks.
- Generate your checks.
Let's look at each option and evaluate the pros and cons.
Order Checks From an Online Check Printer
Try an online check printing service for the greatest pricing and the most selection of design options. You can frequently customize your checks with a preferred sports theme or hobbies in addition to an infinite variety of designs and colors. Checks that are straightforward and uncomplicated in appearance are also available; they are inexpensive and functional.
You can upload photographs to show on the face of your checks if you have specific aesthetic preferences. All you need for a check to work is a piece of paper with the account information; getting creative with the rest of the check is acceptable. Use pictures you took yourself or for which you have the legal right to use them.
Is it safe to order online?
Generally speaking, yes. You might provide someone you don't know access to your checking account while using online check printers. Most printers are reliable and secure, but you should only use authorized check printers. To lessen the likelihood of fraud, stick with well-known brands. The most well-known and trustworthy printers are Carousel Checks, Unlimited, and Deluxe. But even large banks and well-known stores are susceptible to hacking.
Tips for ordering:
When ordering checks, it is your duty to supply appropriate bank information. Verify the account details with your bank, and if possible, produce a voided check (with already valid information).
Order Checks From Your Bank
Checks are also available from your bank. Given that you don't need to find out where your account and routing numbers are, this may be the simplest choice (see the parts of a check for that information). However, banks transmit the order to a check printer rather than printing your checks themselves. Due to the fact that your bank already has your account details, it might also be a little safer.
Call your bank or credit union and tell them you need more checks. You may have a few design choices, and then you're done. Banks often allow you to finish orders online if it's more convenient.
Low hassle, higher cost:
Ordering through your financial institution might be the simplest option if you don't want to spend more than five minutes considering your checks. You'll probably spend a little bit more in exchange for the convenience.
Print Your Checks
You can get new checks if you'd like, and that strategy offers control and quickness. When you run out of checks, you can simply print more without placing an order. However, you must adhere to bank rules if you print your checks. Errors might cause delays and extra costs from the institutions that process your checks.
It could be preferable to order blank checks (or checks with your account information pre-printed on them) rather than printing the complete check from scratch if you print a lot of checks for your company. A description of the payment or transaction can frequently be written in great detail on business checks.
Our post on printing your checks covers the specifics and outlines some potential difficulties. A little effort and money are required, but you may make your checks however creative you like and still save money.
Use Fewer Checks
Imagine if you never had to order checks again.
You won't likely run out of checks for a very long time if you set up electronic payments with your creditors, service providers, and suppliers. To simplify your life, use online bill payment—usually free with bank accounts. As a bonus, your bank transaction list will contain an electronic record of every payment, often including the payee's name. You won't have to track payments from your check register as a result manually.
Consider using checks when you shop. If you pay with a debit card, you can spend the same amount of money and even go more quickly through the self-checkout queue. Use a credit card rather than a debit card for even greater security (but pay the card off monthly).
Other Types of Checks
For everyday use, you now know how to order checks, but what about special events?
After opening your account, you might need to write a check immediately (or while you're holding out for an order of checks to arrive). These checks can be helpful in a pinch, even though financial institutions don't always accept them. In those circumstances, inquire with your bank about the possibility of printing a few counter checks.
Sellers frequently request a "guaranteed" form of payment for significant, massive purchases. Cashier's checks and wire transfers are frequently used for a down payment on a house or car. These checks may cost $10 or more, but in some circumstances, they are necessary. Some banks allow you to obtain cashier's checks online or in person at a branch. Discover more info on cashier's checks.