Ordering checks is a fundamental task for managing personal and business finances. Whether you are opening a new account or running low on your current supply, getting new checks should be a straightforward and secure process. Harland Clarke is one of the leading check printers in the country, partnering with thousands of financial institutions to provide reliable check-writing solutions.
This guide provides a step-by-step walkthrough on how to order your checks, what information you need to have ready, and how to choose the right style for your needs. By following these clear instructions, you can ensure your financial documents are accurate, secure, and delivered promptly to your door.
Gathering Your Banking Information
Before you begin the ordering process, you must have specific banking details on hand. This information ensures that your checks are printed with the correct data to be processed by the banking system without errors.
You will typically need the following three pieces of information:
- Routing Number: This is a nine-digit number that identifies your specific financial institution.
- Account Number: This is your unique identifier at your bank or credit union.
- Starting Check Number: If you are reordering, you should check your last used check and start your new order with the next sequential number to keep your records organized.
You can find your routing and account numbers at the bottom of your current checks. The routing number is usually the first set of numbers on the left, followed by the account number in the middle. If you do not have a check handy, this information is also available within your online banking portal or on your monthly statement.
Ordering Through Your Financial Institution
The most common and often the easiest way to order checks is through your bank or credit union. Because Harland Clarke partners directly with these institutions, your banking information is often pre-linked, reducing the risk of manual entry errors.
Using Online Banking
Log in to your bank’s official website or mobile app. Look for a section labeled “Account Services,” “Order Checks,” or “Manage Documents.” Most banks have a direct link that will securely transfer you to the check-ordering portal.
Once you click the link, you will likely be redirected to a customized interface. Here, you can verify your account details and proceed to select your check designs. This method is highly recommended because it ensures the bank’s specific formatting requirements are met automatically.
Visiting a Local Branch
If you prefer a face-to-face interaction, you can visit a local branch of your bank. A customer service representative can assist you with the order. This is a great option if you are unsure about which check style to choose or if you need to update your personal information, such as a change of address or name.
How to Order Directly Online
In some cases, you may choose to order directly through the check provider’s website. This is often necessary if your bank provides a direct URL for reorders or if you are a business owner looking for specific specialized products that aren’t featured on a standard banking app.
When ordering directly, you will be prompted to enter your routing and account numbers manually. It is vital to double-check these numbers before submitting your order. A single typo can result in checks that cannot be processed, leading to returned payments and potential fees from your bank.
Choosing the Right Check Style
Once you have entered your information, you will be presented with a variety of design and format options. While the functionality of the check remains the same, the style can reflect your personality or professional brand.
Personal Check Designs
For personal accounts, you can choose from simple, professional designs or more expressive options. These may include nature scenes, charitable causes, sports themes, or classic parchment styles. You may also choose between single checks and duplicate checks. Duplicate checks create a carbonless copy of every check you write, which is helpful for manual record-keeping.
Business Check Formats
Business checks come in several formats designed for different administrative needs. The most common include:
- Three-to-a-Page Checks: These are standard for manual bookkeeping and fit into large three-ring binders.
- Computer Checks: These are designed to be used with accounting software like QuickBooks or Sage. They come in sheets that fit into standard printers.
- High-Security Checks: These include advanced features like holograms and heat-sensitive ink to prevent fraud.
Understanding Security Features
Security is a top priority when it comes to financial documents. Modern checks are equipped with several features designed to prevent tampering and forgery. When selecting your checks, you may see mentions of various security protocols.
Standard security features often include microprinting, which is text so small it appears as a solid line to the naked eye and cannot be accurately photocopied. You might also see chemically sensitive paper that changes color if someone attempts to use chemicals to alter the writing on the check. High-security versions offer even more layers of protection, which is particularly important for businesses handling large transactions.
Reviewing Your Order Details
Before finalizing your purchase, you will be shown a preview of your check. This is your final chance to ensure all information is correct. Check the spelling of your name, the accuracy of your address, and the placement of the bank’s logo.
Pay close attention to the “Starting Number.” If you accidentally start your checks at a number you have already used, it can make balancing your checkbook more difficult and may even trigger fraud alerts at some financial institutions. Ensure the shipping address is a secure location where you can reliably receive sensitive documents.
Tracking Your Order and Delivery
After placing your order, you will typically receive a confirmation email. This email will contain an order number and, eventually, a tracking number. Most check orders are processed and printed within a few business days.
Shipping times vary depending on the method you selected. Standard shipping usually takes 5 to 10 business days. For security reasons, checks are often shipped in tamper-evident packaging. If your package appears damaged or opened upon arrival, contact your bank and the check provider immediately to report the issue and potentially void the check sequence.
Common Questions About Ordering Checks
Many users have questions regarding the cost and frequency of ordering checks. Here are a few common considerations:
- How much do checks cost? Prices vary based on the design, quantity, and security features. Basic personal checks are the most affordable, while high-security business checks are more expensive.
- Can I change my information? Yes, you can update your address or phone number during the ordering process. However, if your name has changed legally, you must update this with your bank first.
- What if I make a mistake? If you notice an error after the order is placed, contact customer support immediately. There is a very short window to make changes before the printing process begins.
Conclusion
Ordering checks from a trusted provider like Harland Clarke ensures that your financial transactions remain professional and secure. By having your routing and account numbers ready and choosing the format that best fits your lifestyle or business needs, you can complete the process in just a few minutes. Always remember to double-check your data for accuracy and choose a secure shipping method to protect your account information. For more tips on managing your personal finances or navigating online banking services, feel free to explore our other helpful articles.