Print Your Own Checks: A Complete 2022 Guide for Small Business Owners
If you’re a business owner, you must have a need to send regular checks. Sometimes you might need loads of checks, and other times, you might just require a few of them. Considering this fact, getting printed checks from banks can be a huge waste of money.
Hence, you now might be considering printing your own checks.
Before you start to print checks in-house, you need to know how many responsibilities you are taking on your shoulders. Furthermore, you need to know, is it even better to print your own checks in-house? Or getting it from banks was a better option indeed.
Let’s find out all of these queries.
Requirements to Print Your Own Checks
Before you begin printing your own checks, you need to get familiar with all the requirements. Here’s everything you need to understand to know how to print checks at home.
1. Software for Printing Checks
The very first thing you need to print your own checks is the check writing and printing software. No wonder you also need graphic design and your checks formatted just the right way to be acceptable by the bank.
The software can help you create such checks and reduce your overall effort and labor considerably.
However, if you decide to integrate a print mail API, like PostGrid, you can create professional checks and automate their printing and mailing. The check API can also help you personalize your checks, and enable you to print your company’s logo, pURL, and other essential details.
2. Check Stock Paper
After getting the right check printing software, you’d need to get the check stock paper. You can easily get such compatible papers with your software and printer in any office goods store or from online retailers.
While getting the stock paper, you’d need to take care of a few features, like microprinting, security warnings, etc., that must be available with the stock papers you purchased.
Once you have the right type of check printing stock paper, you can easily print your checks with almost any printer as long as it is compatible with magnetic ink. You need this ink to print the MICR code of your check.
If you don’t have such a printer, you can outsource this printing step from printing companies. And once it’s done, you can then use the pre-printed checks in your printer to get the other essential details and customization.
MICR code is what the special computers use to process the checks. You have to type all the essential bank information in the MICR font at the bottom of the check. The details include your routing number (the nine-digit number used to identify the bank or the financial institute), your account number, etc.
MICR stands for Magnetic Ink Character Recognition. The special computers based on MICR technology use this ink to understand and process your MICR font.
Although, now, most banks use the check scanning devices reducing, or completely eliminating, in some cases, the need for magnetic ink for your checks.
5. Counter Checks
A counter check is a form that the bank provides to withdraw money from your account.
Sometimes, you don’t need a whole bunch of checks but only a few or even just one. In that case, you can request a counter check from the banks for a small fee.
How to Print Checks at Home: Steps to Print Your Own Checks
Now that you’ve understood what you require to print your own checks in-house, you might be wondering about the whole process. Well, here’s the complete step-by-step process for you to print your own checks.
1. Invest in the Check Printing Software
As already discussed in the upper section, if you want to save yourself from the hassle and print the correctly formatted checks, you’d need to buy offline or online check printing software. So that’s your first step while beginning to print your own checks.
2. Get the Check Stock Paper
Step 2 is a no-brainer. Get the stock paper just as described above.
3. Get the MICR Font
Step 3 would be to go get the MICR font. Now that we’ve made an understanding of what it stands for and what it is. You just have to purchase the font from the Microsoft app store for windows and from the Apple store for Mac.
Once bought, just install it and start using it for your checks.
4. Add Your Account and Routing Number
Your next step would be to enter the routing and account number. To get it on your check, just type the routing number at the bottom left corner of it and your account number next (right) to it. Both of the numbers should be in MICR Font.
5. Add Your Personal Information
Your personal information goes at the top left of the check. The details include your name and address. If you want to include the bank’s logo, it goes to the upper-right corner of your check.
6. Add the Check Number
Your check number goes to the upper right corner of your check.
Additionally, you’d also need to place it at the left-bottom of the check but right to the account number.
Everything that’s placed at the bottom is written in the MICR font.
7. Add the Bank’s Fractional Number
Just below the place where you’ve put your check number goes your bank’s fractional number. The fractional number is a digit followed by a dash, which is further followed by a large number. It is simply there to indicate the region where your bank is.
We advise you to write it in a smaller but readable font.
8. Add the Date Line
In the upper right corner of the check, where you’ve put your check number, place your date line below that.
The word “Date” would be present at the left of the check number and the line, where you’d add the date, just below it.
9. Add the Payee Column
On the right side of the check, you enter the name of the payee to whom the check is to be delivered. Type “Pay to the order of” and put a line or two below or next to it. End the line at the $ sign.
10. Add the Amount Box
Below the date, add the box where the amount to be paid goes in fractional numbers. Place a $ sign to the left of the box.
11. Add the Amount Line
Below the payee column, add the line where you’d put the amount in words. Then, add the word “Dollars” at the end of it.
12. Add the Memo Line
On the left side of the check, add the word “For” and extend a line. That’s where you put the memo.
13. Add the Signature Line
To the right of the memo line, put a box or another line for the signature.
14. Review Everything
Once it’s all done, review everything once again to confirm everything is accurate.
15. Print Your Own Checks
After reviewing everything carefully, you can print draft checks with confidence.
Why Should One Print Personal Checks from Blank Check Stock
The major reason why companies decide to use blank stock to print their personal checks is that it allows them to personalize them for their customers and customize them for their brands.
Furthermore, it also turns out to be a more economical option for the companies that need to send checks in bulk.
Can You Print Your Own Checks Now?
We hope we’ve answered all of your questions regarding “how to print my own checks?”
And now that you know the entire process of printing your own checks and the essentials you’d need, it’d be a cakewalk for you to print your checks.
However, you must consider the fact that it’d take a lot of focus, effort, labor, and time to get all of these tasks done the right way.
Hence, the best option available for you is to integrate an API, like PostGrid, with your CRM to get the best check printing solutions.
The web-based API helps you automate this entire process and enables you to customize your checks as per your requirements and complete your check order.