Ordering checks through your bank is often the default choice, but it is rarely the most economical one. Many consumers and business owners are turning to specialized online providers to find unique designs and lower prices. This guide explains how to navigate the process of ordering personal or business checks online, ensuring you get the best value and security for your financial needs.
Why Order Checks Online?
The primary reason people look beyond their local bank for checks is cost. Banks often act as middlemen, marking up the price of basic checkbooks significantly. By ordering directly from a manufacturer like Extra Value Checks, you can often save a substantial amount of money.
Beyond savings, the variety of designs available online is vast. Whether you want checks featuring your favorite dog breed, a scenic landscape, or a professional business layout, online retailers offer thousands of options that banks simply do not carry. This allows you to add a personal touch to every transaction you make.
Understanding Your Check Options
Personal Checks
Personal checks come in several formats. The most common is the top-tear check, which is the standard size that fits into most wallets. You can also find side-tear checks, which some users find easier to remove without accidental tearing or damaging the check stub.
You will also need to choose between single and duplicate checks. Single checks are the traditional style. Duplicate checks have a thin piece of carbonless paper behind each check that creates an instant copy of your transaction, making it easier to track your spending without needing to fill out a separate register immediately.
Business and Computer Checks
For business owners, there are specialized formats designed for efficiency and professional branding. Three-on-a-page checks are popular for manual record-keeping and fit into large three-ring binders. If you use accounting software like QuickBooks, Quicken, or Sage, you can order computer checks that are compatible with your printer for seamless bookkeeping.
How to Personalize Your Order
One of the highlights of ordering from a dedicated provider is the ability to customize the look of your checks. This goes beyond just picking a background image. You can truly make the document your own.
- Font Styles: Choose from various scripts, block letters, or elegant calligraphy for your name and address.
- Logos: Many business check options allow you to upload a company logo to enhance your professional image.
- Overlays: Some designs offer subtle watermarks or borders that add a touch of sophistication to the paper.
- Signature Line Accents: You can often add a small icon or a line of custom text above your signature line for extra personalization.
The Step-by-Step Ordering Process
Ordering checks online is a straightforward process, but it requires precision to ensure your checks are accepted by your financial institution. Follow these steps to complete your order accurately.
Step 1: Gather Your Banking Information
You will need a current check or a specification sheet from your bank. The two most important numbers are the 9-digit routing transit number and your specific account number. These are found at the bottom of your check.
The routing number identifies your bank, while the account number identifies your specific funds. Make sure to double-check these numbers, as even a single digit error can cause your checks to be rejected by the banking system. You will also need the bank’s name and address as it appears on your account.
Step 2: Select Your Design and Quantity
Browse through the categories to find a design that suits your personality or business brand. Once you have selected a design, choose the quantity you need. Most providers offer significant discounts for ordering multiple boxes at once, which can save you money in the long run.
Step 3: Enter Personal Information
Enter the name and address exactly as you want them to appear on the checks. You can usually include up to five lines of text. While most people include their home address, some choose to use a P.O. Box for added privacy. You can also choose to include your phone number, though this is optional.
Step 4: Review and Checkout
Before finalizing the order, review the digital proof carefully. Check the spelling of your name, the accuracy of the address, and the bank numbers. Once you have confirmed everything is correct, you can proceed to the secure checkout to complete your purchase.
Security Features to Look For
Security is a top priority when dealing with financial documents. Reputable check providers include several built-in features to prevent fraud and tampering. When ordering, ensure your checks include these standard protections.
- Microprint Lines: Extremely small type that appears as a solid line to the naked eye but becomes blurred and unreadable if photocopied.
- Chemically Sensitive Paper: Paper that changes color or shows a “void” message if someone tries to use chemicals to alter the ink on the check.
- Padlock Icon: This symbol indicates that the check meets the security standards set by the Check Payment Systems Association (CPSA).
- Security Screen: A light pattern on the back of the check that makes it difficult to alter or forge the document without detection.
Shipping and Delivery Expectations
Most online check orders are processed within a few business days. Standard shipping usually takes about one to two weeks. Because checks are sensitive items, they are often shipped in tamper-evident packaging to ensure they haven’t been opened during transit.
If you are running low on checks and need them quickly, many providers offer expedited shipping and rush processing for an additional fee. It is always a good idea to order your next set of checks when you have about one-quarter of a box remaining to avoid any gaps in your ability to pay bills.
Essential Check Accessories
To complete your order, you might consider adding accessories that help with organization. Matching address labels are a popular choice, as they ensure your outgoing mail has a cohesive and professional look.
Checkbook covers are another useful addition. While many orders come with a basic vinyl cover, you can upgrade to durable leather or fabric covers. For business users, specialized binders for three-on-a-page checks are essential for keeping your financial records tidy and accessible.
Conclusion
Ordering personalized checks from a dedicated provider is an excellent way to save money while expressing your personal style. By following the simple steps of gathering your bank information, choosing a design, and verifying your details, you can have high-quality checks delivered right to your door with confidence.
If you found this guide helpful, consider exploring our other articles on managing personal finances and choosing the best online services for your home and business needs. Taking control of these small details can lead to significant savings and a more organized financial life.