final verdict
When ordering checks without going through your real bank, you should choose a company that is reputable and affordable. checks by mail (see checks by mail) is a reliable option, with extensive check designs, a low minimum order requirement, and competitive pricing. If you’re looking for more unique check designs, it’s hard to beat Walmart Checks (see at Walmart Checks), which offers a great deal on custom-designed checks.
what to look for in places to order checks online
variety
The best providers offer checks in a variety of styles and designs, security features, and options for personal and business customers. It’s important to find one that suits your needs, whether you want checks with licensed designs of your favorite characters, pop culture icons, or sports teams.
affordability
Saving money is really the key benefit of ordering checks online instead of directly through your bank. Whether you write a few checks a month or own a business that needs hundreds of checks, be sure to shop around at top online sellers. Also, consider the minimum number of checks in an order; If you rarely use checks, you don’t want to order them in bulk that could last longer than you keep that bank account open.
shipping times
Although people are used to ordering items online and getting them quickly, with checks, expect it to take a few weeks to arrive. Be sure to check delivery time estimates carefully when ordering checks online (some sites have better turnaround times than others). Ideally, you want to have plenty of time when you order, but if you’re running low, pay close attention to shipping times.
frequently asked questions
what do you need to order checks online?
When ordering checks online, grab one of your existing checks, as you’ll need some key information: your bank, account number, and routing number. routing and account numbers are found at the bottom of a check.
If you don’t have a check to refer to, you can access your bank account online or call your bank to get what you need. Along with your account information, you’ll need to share the information you want to appear on your checks, including your name, business name (if applicable), and contact information (optional).
what are secure or high security controls?
All checks have some security built in, starting with the Magnetic Ink Character Recognition (MICR) font used for account and routing numbers. This computerized source allows checks to be read by machines, but it also prevents people, and counterfeiters, from printing checks on their own.
In addition, some checks have other enhanced security features. this can include visible and invisible fluorescent fibers, chemically sensitive paper, heat-sensitive (or thermochromic) ink, holograms, and watermarks.
what is the difference between simple and duplicate checks?
Although most people will choose individual checks for personal use, duplicate checks are also available for those who want a copy of their checks. duplicate checks have a thin carbon copy sheet behind each check, so you’ll always have a copy for your records. these are more expensive than individual checks and are not as popular now that many people rely on digital record keeping. but it’s still worth considering for small businesses that prefer paper records.