When was the last time you wrote and sent physical personal checks? Can’t recall, can you? Well, you are not alone. As per a study done by GoBankingRates, less than 15% of Americans wrote a check in the last year. This shouldn’t come as a surprise, especially considering the emergence and speedy adoption of digital technologies. One such advancement paving the way for effortless, accurate, and safe printing and mailing checks that require almost no manual intervention is check API.

A check API is a digital tool that utilizes an Application Programming Interface (API) to connect with your CRM, and accounting software and create, print, and mail checks. It will serve as your personal check writer and automate the process of creating, printing and mailing the checks to the recipient. 

With a check API, the different aspects of processing checks come together making it convenient, quicker, and efficient for the involved parties. In this blog, we will take a look at the features of check API that make it suitable to create, print, and mail personal checks. 

Key Takeaways

• Check API is the new way to create, print, and mail personal checks.
• Features like secure creation, customization, automation, and more make it the right choice to create and mail printable checks.
• Compared to manual handling, using check API is an efficient, quick, and safe process.

In this world of hustle culture, taking time to visit a bank or post office to write and mail a personal check can be seen as a waste of time and effort. This is where a check API can come to your rescue. It will take the load off of your shoulders and create, print, and mail the personal checks to whoever you want to. All you need to do is order personal checks through check API.

A check API comes with the following set of features that make the process of creating, printing, and mailing personal checks a breeze for you. 

Automated Designing, Printing, and Mailing of Personal Checks

Right from designing, to printing to mailing personal checks, a check API will eliminate the need for manual intervention. All you need to do is add, and verify your personal and bank details, attach the relevant files, and let the check API do the heavy lifting. With a check API, it is easy to order personal checks online at low prices.

Account Reconciliation Prevents Double Entries

Ensuring that your financial records are consistent and accurate involves matching records, identifying discrepancies, and adjusting the records. Manual account reconciliation is vulnerable to double entries.

With a check API by your side, you can rest assured that there will be no room for double entry. It will automatically update your accounting software with all the personal checks that have been sent so far, providing you with accurate and up-to-date records.

Seamless Integration With CRM/Accounting Software

With a check API, you can print personal checks at home with just a few clicks. This is because, once integrated with your existing accounting software, the check API will fetch the details of your recipients and fill them out automatically. This will speed up the designing, printing, and mailing of your personal checks. 

Just integrate, categorize, hit print, and send, and rest assured that your personal checks will reach its recipients. 

💡Also Read: Are Check Costs Hurting Your Business?

Data Protection Through Compliance With Industry Standards

A credible check API like the one offered by PostGrid frees you from this worry. It is compliant with industry standards such as HIPAA, and SOC-II. This ensures that your sensitive financial and personal information is processed in an encrypted and secure manner, preventing any possibility of unauthorized access or breaches. 

Authorization Bolsters Security

Check fraud and forgery is rampant in the USA. As per a report by the Financial Crimes Enforcement Network, the Suspicious Activity Reports (SAR) to FinCEN have reached over 680,000 in 2022. However, a check API ensures there is no scope for forgery or fraud. 

When you use a check API, the check drafting process only starts when you authorize the process by logging in through your unique credentials. The writing, printing, and mailing process is carried out by keeping in bank’s safety protocols and guidelines into consideration, thus making the whole process safe and secure.

To further ensure safety, check API only uses paper stock that has advanced security features like MICR line, holograms, micro pints, chemical reactivity, and heat-reactive ink. The details that go into designing, printing, and mailing checks ensure that you are only sending valid checks adhering to security standards.

Templates With Customization Option

How many times have you resisted the urge to write a custom message on your check? 

Or

Do you have a better check design in your mind that will reflect your personality than the classic check does?

With a check API, you no longer have to worry about the personal check designs. A check API comes with Variable Data Printing (VDP) technology which gives you the freedom to design and personalize the check as per your preference. You can add, edit, and remove fields such as texts, and images. Moreover, with a check API, you can always give a personal touch to your check by adding a pattern or a personal message. 

Furthermore, check API also offers an option where you can make the selection of personal checks from the variety of in-built templates and edit them as per your interests and requirements.

Ease of Sending Checks 

Do you have to urgently send rent to your landlord but can’t take out time to visit the bank? Or maybe you just want to print checks at home.

With a check API, you can send printable personal checks from anywhere, anytime. Just add and verify your personal and bank details, and let the check API take care of the rest. It guarantees the freedom to print your own checks at home or work and mail them.

If you want to get rid of the hassle of having to remember the date when your rent or utility bill is due, just set up a reminder. The check printing and mailing API will make sure to send the checks every month to the concerned address.

Address Verification Ensures Checks Reach the Right Recipient

Coding Accuracy Support System (CASS) certified ensures that the address-matching mechanism implemented by the check API is accurate. This means that the check API will cross-check the address labels against the USPS records before mailing the personal checks. It also adds the necessary details like ZIP codes to further assure that your personal check is landing in the right hands.

Allows Sending Payments From Multiple Accounts

Do you have multiple bank accounts, such as one personal and one business account? Are you looking for a platform from which you can easily handle check transactions for both?

A check API allows you to set up and manage multiple accounts on a single platform. Moreover, it lets customers redirect payment requests from one account to another. This can be helpful when you want to change the payment source in case the account intended for the amount deduction does not have sufficient funds.

Offers Minimal Time Delivery

Depending upon your budget and the time availability, you can choose from various delivery options such as USPS First Class, USPS First Class International, USPS Priority, USPS Express, Certified Mail, and FedEx. For the case mentioned above, you can opt for mailing personal checks through USPS Express. 

 Also Read: What is a Utility Bill: Your Complete Guide

Enables Real-time Mail Tracking 

Knowing that the recipient has received the check can offer you peace of mind. A check API equips you with a dashboard from where you can keep a tab on the real-time status of your check along with estimated delivery time. From dispatch to delivery, the personal check printing and mailing API will give you a clear view of your correspondence.

Why sweat over whether or not the check has reached the recipient when you can order and send checks online through check API?

The aforementioned can help you understand why you should prefer check API over the traditional method. However, if you're still wondering, “Why can’t I print my own checks using the manual method?”, we will break down the shortcomings to help you make an informed decision.

Errors

When you manually write the check, you increase the likelihood of making mistakes such as misspelled names, incorrect amounts, or incorrect dates. These mistakes lead to checks being rejected, and payments getting delayed. Moreover, correcting mistakes requires voiding, reordering, and reprinting checks which not only wastes time but also adds to the cost.

Fraud 

Manually written checks are an easy target for criminals to tamper with. They can change the payee's name or the amount by physically manipulating the checks. Moreover, unlike check API which comes with in-built security features as mentioned above, manual check printing and mailing lacks it. This exposes it to forgery and fraud.

Delay

The steps involved in manually writing, printing, and mailing checks require a significant investment of time. From preparing physical checks, to signing each one of them, to mailing them through postal services- it is a time-consuming process, which is prone to delays.

Moreover, the hold-up by the financial institution and the postal office can be unpredictable, which means there is no certainty as to when the recipient will receive the check.

Resource-Intensive

Unlike check API, which automates the writing, printing, and mailing of checks and saves time and resources, going the manual route can be a demanding process, both in terms of effort and price. You will have to dedicate time and energy to sit down and physically write, print, and mail checks. 

Other than being labor-intensive, manually writing, printing, and mailing checks require shopping, collecting, and storing physical resources like ink, paper, envelopes, stamps, etc. This storage maintenance cost can quickly add up, especially in situations involving large volumes of checks where you will have to shop these resources in bulk. 

 Also Read: Building Your CSV File for Multi-Check Uploads

Limited Tracking

In manual check processing, once your check is deposited and mailed, keeping track of it in real time can be difficult. This is because every time you want to know where your check is, you will have to manually enter the tracking number in the tracking tool. 

 Also Read: Why Write a Check Online Using Check API?

When you rely on manual methods for creating, printing, and mailing personal checks, you are not only investing significant time and money but also making the personal checks prone to eros and frauds. This is why opting for a check API would be a wise choice. It will single-handedly manage the whole process in a secure environment and free you from the hassles associated with manually writing, printing, and mailing checks. It will offer you the accuracy, reliability, and security that the traditional process can't match.

Wondering where you can find a credible print and mail check API service provider? PostGrid offers that and more. Sign up here to send physical personal checks the new way.