Ordering checks for your personal or business bank account used to mean a trip to the local bank branch or a long phone call with a customer service representative. Today, the process is much simpler and more affordable when you work directly with a specialized check manufacturer. By ordering online, you gain access to thousands of designs and professional formats that banks often do not provide.
Whether you are looking for personal checks that reflect your hobbies or professional business checks compatible with your accounting software, understanding the ordering process is key. This guide will walk you through everything you need to know to secure high-quality, bank-standard checks from the comfort of your home or office.
Why Order Checks Directly from a Manufacturer?
Many people default to ordering checks through their financial institution because it feels like the safest option. However, banks are often intermediaries that outsource the printing to third-party manufacturers and then add a significant markup to the price.
Ordering directly from a manufacturer offers several distinct advantages:
- Significant Cost Savings: You can often save up to 75% compared to bank prices because you are cutting out the middleman.
- Wider Selection: Manufacturers offer thousands of designs, ranging from scenic landscapes and wildlife to classic professional styles.
- Faster Turnaround: Direct orders are processed and printed on-site, which often results in quicker shipping and delivery times.
- Customization: You have more control over fonts, logos, and specific layout requirements for business needs.
Types of Checks Available Online
Before you start your order, it is important to identify which type of check best suits your needs. Checks generally fall into two main categories: personal and business.
Personal Checks
Personal checks are designed for individual use. They are compact and usually come in a variety of visual themes. You can choose from standard top-tear checks or side-tear options depending on your preference. Popular design categories include nature, animals, sports, and vintage patterns.
Business Checks
Business checks are more functional and are designed to handle the complexities of commercial accounting. There are three primary types of business checks:
- Laser Checks: These are designed to be used with computer software like QuickBooks, Quicken, or Microsoft Money. They allow you to print payment details directly from your accounting program.
- Manual Checks: These are traditional checks meant to be written by hand. They often come in a large three-to-a-page binder format, which is excellent for record-keeping.
- Pocket Checks: These are portable business checks that are larger than personal checks but small enough to carry with you for on-the-go transactions.
Information You Need to Get Started
To ensure your checks are processed correctly and will be accepted by your bank, you need to have specific financial information ready. You can find all of these details on a current check or by looking at your bank statement.
1. Routing Number: This is the nine-digit number located at the bottom left of your check. It identifies your specific financial institution.
2. Account Number: This is your unique identifier at the bank, usually located to the right of the routing number.
3. Fractional Routing Number: This is a smaller number usually found in the upper right-hand corner of a check. It is a secondary way for banks to identify the processing center.
4. Personal/Business Information: You will need the exact name and address as they appear on your bank account. You may also choose to include your phone number or a secondary address line.
A Step-by-Step Guide to the Ordering Process
Once you have gathered your information and decided on a check style, the ordering process is straightforward. Follow these steps to ensure a smooth experience.
Step 1: Browse and Select Your Design
Start by exploring the categories available. If you are ordering personal checks, look for a design that fits your personality. For business checks, prioritize functionality and software compatibility. Most manufacturers provide a search tool to help you find specific themes or formats.
Step 2: Enter Your Account Details
Carefully type in your routing and account numbers. It is vital to double-check these digits, as even a single error can result in a check that cannot be processed by the bank. Most reputable sites will show you a visual preview of how the numbers will look on the final product.
Step 3: Customize Your Layout
Decide if you want to add a custom logo (common for business checks) or a specific font style. You can also choose where you want the check numbering to start. If you are transitioning from an old checkbook, it is best to start your new order with the next number in sequence to keep your records organized.
Step 4: Select Quantity and Shipping
Checks are usually sold in boxes or packs. For personal checks, a single box often contains 100 to 125 checks. Business checks may be sold in larger quantities, such as 250, 500, or 1,000. Choose the shipping method that fits your timeline; many manufacturers offer expedited shipping if you are running low on supplies.
Ensuring Security and Quality
A common concern when ordering checks online is security. However, professional check manufacturers use the same security features as banks to prevent fraud and unauthorized duplication.
Look for the “MP” (MicroPrint) icon on the check, which indicates that very small text has been used that cannot be easily photocopied. Other security features include chemically sensitive paper, which changes color if someone tries to alter the check, and security screens on the back that disappear when copied.
All checks produced by reputable manufacturers are printed with Magnetic Ink Character Recognition (MICR) technology. This ensures that the numbers at the bottom of your check can be read by bank scanners across the country.
How to Reorder or Track Your Order
After your first order, the process becomes even faster. Most manufacturers allow you to create an account where your design preferences and account details are saved securely. When you run low, you can simply log in and select the “Reorder” option.
If you have recently placed an order and want to know when it will arrive, you can usually use an “Order Status” tool. By entering your order number and zip code, you can see exactly where your checks are in the production and shipping process.
Conclusion
Ordering custom checks online is a practical way to save money while gaining more control over the look and functionality of your financial tools. By following the steps outlined above, you can confidently choose a design, provide the necessary banking information, and receive high-quality checks that meet all national banking standards. Taking a few minutes to order directly from a manufacturer ensures you get the best value and a product that fits your specific needs.
If you found this guide helpful, consider exploring our other articles on managing personal finances and selecting the best digital tools for your small business.