Do you write checks often?
If so, then you probably don’t enjoy paying for new blank checks on a regular basis. The expense will add up quickly. Depending on the type of checking account, some banks provide their customers with free checks. But if your bank does not do this, then you will be forced to place an order for new checks to refill your supply.
Sometimes the Sunday newspaper will have new check coupons in them. However, you should consider ordering your next blank checks over the internet because there are many affordable options available online.
If you were to go to your bank and order checks, they would charge you an arm and a leg. But if you go online, you can find companies which specialize in offering check printing services for cheap. A book of 100 basic, no-frills, blank checks can be found for under $20.
Do not wait until you run out of checks before you order more of them. Give yourself some time by ordering new checks early so you won’t put yourself in a situation where you run out of checks and cannot pay your bills. It is recommended that you order new checks at least 2 weeks before you expect to run out.
Requirements When Ordering Checks
When you order checks online from an outside company, you will need to provide them with your bank’s name and the routing number and account number of your checking account. This information is crucial because these are the numbers that banks will use to find your account when your check is cashed. In addition, you will need to provide the check printing company with the name and address that is on your checking account as well.
If you’re confused about where to find the routing number and account number, find one of your existing checks and look at the bottom of it. You’ll see sets of coded numbers in MICR format. They are printed in metallic ink which allows them to be scanned and verified by computers. This is how checks are proven to be authentic. This makes sense since it would be so easy for someone to just print counterfeit checks from a normal printer. Banks want to take extra steps to ensure that the checks being cashed are real.
You may also be asked to provide additional information in order to prevent fraud. If the online check company is unable to confirm your checking account information with your bank, you will need to submit proof before your purchase will be processed.
Acceptable forms of proof may include the following documents: deposit slips, preprinted checks, reorder forms, recent bank statements, or a letter from your financial institution. The name and address on this document must match the name and address on your new check order. If you do not have a way to obtain these documents, you may be able to provide a utility bill or a photocopy of your driver’s license instead.
If you have additional questions or concerns about how to order checks, or need help finding your routing and account number, you can make a call to your financial institution and ask them to provide you with the necessary information.
Ways to Order New Checks Cheap Online
See below for a list of places you can order new blank checks online for cheap. Banks.org compiled this list of pre-tax prices, including processing fees. The prices we quote are for new customers ordering standard single checks without custom designs, fraud protection service, monograms, logos, symbols, oversignature lines, or rush shipping.
Checks Superstore costs $5.49 ($4.39 with code SCENIC20) for discount checks. Shipping/handling $8.95, processing fee $3.70, plus sales tax. “Years go by with millions of people ordering and re-ordering their checks from the banks that are charging you huge up-charges. They got to make profit somewhere right? Stop the cycle now and check out how simple and easy it is to order checks online. It doesn’t matter if it is for your personal checking account or your business checks, you can get cheap checks online in a matter of minutes, quickly and easily! Checks-Superstore prides itself on an easy to use website and a safe and secure ordering environment.”
Checks in the Mail costs $6.49 for 100 Checks. “Checks In The Mail offers thousands of personal checks, business checks, gifts and accessories for your everyday personal and business needs. Browse the latest personal check designs from Marvel, ASPCA, Peanuts, Star Wars, patriotic designs, inspirational designs, and more. Choose from our selection of sassy coin purses or cool leather checkbook covers. Save on business checks, federal tax forms, deposit solutions, and more to keep your business organized, efficient and secure. Looking for something a little more personal? Design your own personal checks, create a monogram address stamp, or shop our Designer Bag Boutique for makeup bags and cosmetic bags you can personalize with your own name or message.”
Check Gallery costs $8.95 for 200 Checks. New customers can use coupon code Q7MH when buying 2 boxes of personal checks. The total cost after discount is $5.05 plus $3.90 S/H plus tax for a total of $8.95. “As America’s leading earth-friendly check printer, Check Gallery produces personal checks, address labels, and checkbook covers featuring designs that stand for something. We feature a variety of designs printed on recycled paper made from 30% post-consumer fibers. Save money while helping the environment when you order today!”
ASAP Checks costs $10 for 200 Checks. “ASAP Checks has a simple model: maximize the value to our customers with speed. This translates into top notch products at a fraction of the cost of traditional check sources, ready to ship in as little as 1 day. Unlike many of our competitors who simply resell products manufactured by others, ASAP Checks prints its own checks from its production facility in northern New York state.”
Costco Checks costs $13.18/$16.48 for 492 Checks (membership required). “Costco Checks by Harland Clarke offers a variety of personal and business checks and accessories to meet your everyday needs. Shop and save on hundreds of personal checks, character checks, inspirational checks, ASPCA checks, high security personal checks and more. Shopping for business check needs? View our selection of manual business checks or high security business checks that allow you to easily customize and print. Order our most popular General Purpose Business Check compatible with our 7 Ring Check Binder.”
Walmart Checks costs $10.82 for 150 Checks. “Walmart Checks offers a selection of thousands of personal checks, designer checks and business checks to choose from. Browse through several contemporary designs, inspirational designs, floral and scenic checks, Disney, Star Wars, ASPCA checks, and many more. Have something specific in mind? Simply type it into the search bar. Looking for something a little more personal? Try our Walmart photo checks. Easily upload personal photos to design your own custom checks. Feel safe and secure when you order checks online with Walmart’s secure checkout. Most orders ship in about three business days.”
Artistic Checks costs $18.99 for 100 Checks. “Our selection at Artistic Checks includes personal checks ranging from traditional favorites to creative trends. Additionally, you can find exclusive licensed designs in our Masterpiece Collection. We offer checks in both top tear or side tear format and provide free standard shipping while saving you more money than you would ordering from the bank. We also offer check fraud protection and award-winning EZShield Identity Restoration Pro.”
Checks.com costs $8.20 for 100 Checks. “Checks.com by Deluxe began with a vision of providing unwavering quality and security at affordable prices, creating the brand with the best value. Our checks will enable you to get to where you want to go, fund your next adventure, or create opportunity from the routine. In order to ensure that our costs and prices stay at their absolute lowest, we exclusively allow you to order checks online. You will experience worry-free purchases and customer service that exceed expectations – satisfaction guaranteed.”
Sam’s Club Checks costs $13.96 for 360 Checks. “Whether you prefer licensed, Cause Related, inspirational designs, or you just want to keep it simple, you will find a large selection of personal checks with your personality in mind.”
BankCheckPlus:: “We offer voucher style checks or 3-per-page. Low prices, custom company logos, 1 2 or 3 signature lines, 100% compatibility guarantee.”
Bradford Exchange Checks: “Bradford Exchange Checks is an affiliated company of The Bradford Exchange, a recognized world authority in fine collectible art since 1973. It was a natural combination to unite exclusive designer personal checks with masterpieces by today’s top artists from The Bradford Exchange. This inspired pairing of personal check printing and unique fine artistry has thrilled collectors, art enthusiasts, and those who want their personal checks to make a very special impression each time they are used.”
CarouselChecks: “When you order from Carousel check printing you can be confident that you are getting the best possible value with low discount pricing, a great assortment of designs and quality printing. Your personal information is treated securely so you know your financial information is protected. The speed and reliability of our service will leave you satisfied. With our assortment, you can express your personality from fancy to straight forward single colors. Select from custom photo checks or any of our many themes. Ordering online is easy and quick. Order checks from the comfort of your home computer and at your own convenience 24/7.”
Vistaprint Checks: “Create personalized checks quickly and easily at Vistaprint. With custom templates, different font styles and optional monograms or icons, you can turn your design into a mirror image of your personality. Just as important as personalization is the peace of mind you’ll experience knowing that your business checks will be ordered safely. Rest assured that we have taken elaborate measures to ensure that your purchase is 100% secure. With our Secure Socket Layer (SSL) encryption, your sensitive information will always be safe. At Vistaprint, you’re receiving protected custom checks for incredible prices.”
Checks Unlimited: “When you order checks and accessories from Checks Unlimited, you’ll be expressing your personal style while receiving secure, affordable, quality products. Save time and money when you order online. We offer a large variety of designs at prices lower than many banks. Whether you enjoy classic colors, iconic characters or have a favorite dog breed, you’ll find checks that reflect your taste. Every design meets bank security standards and will be accepted by your financial institution. Our Securiguard checks add a layer of security using a two-dimensional holographic foil that cannot be reproduced, photocopied or removed. Additionally, help protect your checks in the event of unauthorized use with an advancement up to $25,000 for qualified losses with the EZShield Check Fraud Protection Program® and help restore your identity with EZShield Pro.”
CheckAdvantage: “At CheckAdvantage, we print and sell both business checks and now personal checks directly to you. Whether you’re looking to find laser checks that work with your small business software, 3-on-a-page manual checks, or personal checks with designs to match your style – CheckAdvantage is the answer!We also offer blank check stock, deposit slips and check supplies including 7-ring check binders, check envelopes and pre-inked stamps. Located in the midwestern town of De Pere, Wisconsin, CheckAdvantage shares the strong work ethic and values that help small business owners rise to the top.”
TechChecks: “Established in 2003, Techchecks.net provides businesses, financial institutions and individuals with an extensive range of checks, tax forms, and other financial accessories. Products meet all banking and governmental requirements and feature the latest in financial security technology. As most work is completed in-house, customers are offered competitive prices and same-day service, with orders shipped within 48 hours.”
Current Checks: “Current, an industry leader in online check ordering, offers a full-line of personal checks. Our huge selection of check designs come in both single and duplicate checks as well as side-tear and top-stub options. Current Checks use state-of-the-art technology, and offer top quality, standard-size checks. Our checks in the mail exceed all American Bankers’ Association specifications and are accepted by all financial institutions.”
CheckWorks: “In 1986 the first direct-to-consumer division was formed at Bank Printing Company, Inc. Checks were offered directly to consumers at check printers pricing, and marketed through mass media advertising. Consumers were pleased to have a choice and learn that it was perfectly all right to buy their checks directly from the check printer to save money. This direct to consumer division is now known as CheckWorks, Inc., and is still privately owned and proudly operated by the Aloysius J. Uniack family.”
Print Your Own Checks
The absolute cheapest way to order new checks is to instead print them yourself in bulk quantities. This will cost less but take up more of your time, so keep that in mind.
First, you will need check printing software. These are the three most popular:
- Quickbooks. The most popular one is Quickbooks. View their checking printing instructions here.
- Quicken. Read how to print checks with Quicken.
- GnuCash. For a free alternative to Quickbooks and Quicken, try GnuCash. Read how to print checks with GnuCash here.
You will also need blank check paper stock, which can be found on Amazon for around $30 per 500 sheets.
For businesses that make frequent payments to vendors or customers, this is a great alternative to buying blank checks.
Questions About Buying New Checks
Is it safe to order new checks that aren’t made by my bank?
Yes it is. Ordering your checks from an online check printing company is the same as ordering through your bank or financial institution – only much less expensive. Your bank does not produce your checks, but sends your order to a national check printer. The printer, in turn, produces your checks and sends them back to you. By ordering from one of the above online check businesses, you’re simply eliminating the middleman. That’s why they can offer you blank checks for less money.
If I don’t order from my bank, can they refuse to process my checks?
No, they cannot. Your bank cannot refuse your checks no matter where you buy them. Because the bank makes a profit on the check orders it forwards to the printer, of course they want you to order through the bank. The checks you get from an online check store should be produced to the same standards as bank checks, and the checks should meet and exceed all specifications of the American National Standards Institute (ANSI).
Why are my bank’s checks so much more expensive?
Your bank regards personal checks as a profit center. In other words, it expects to make money on the checks it supplies you with. The markup over cost must be high enough for both the printer and the bank to make a profit. Check printing businesses are able to offer you a larger selection of designs because printing checks is their primary business. Furthermore, they are able to charge you much less because there’s no one in the middle marking up prices.