How Much to Order Checks: A Comprehensive Guide to Saving Money

Ordering checks may seem like a mundane task, but it's an essential part of managing your finances. Whether you're using checks for personal or business purposes, it's important to know how much to order to avoid overspending and ensure you always have enough on hand.

When it comes to ordering checks, the easiest option is often to order from your bank. However, this may not be the most cost-effective choice. In this guide, we'll explore the best places to order cheap or free checks and provide tips on how to save money in the process.

Banks and Credit Unions

One of the most common places people order checks from is their bank or credit union. While it's convenient to order from your financial institution, it's usually not the cheapest option. Banks often charge higher prices for checks, and you may have limited customization options.

If you do choose to order from your bank, be sure to ask about any discounts or promotions they may have. Some banks offer free or discounted checks as a perk for certain account types or for maintaining a minimum balance.

Online Printers

If you're looking for a more affordable option, consider ordering checks from online printers. These companies specialize in producing checks and often offer a wider range of customization options at lower prices than banks. Some popular online check printers include Check Advantage, Check Gallery, and Vistaprint.

When ordering from an online printer, be sure to compare prices and read reviews to ensure you're getting a good deal. Look for companies that have positive customer feedback and offer secure payment options to protect your personal information.

Major Retailers

In addition to banks and online printers, you can also find checks at major retailers. Stores like Costco, Sam's Club, and Walmart often have check printing services available. These retailers may offer competitive prices and the convenience of ordering checks while you're doing your regular shopping.

Keep in mind that not all retailers offer check printing services in-store. Some may require you to order online and have the checks shipped to your home or a local store for pickup. Be sure to check the retailer's website or contact their customer service for more information.

Can You Print Your Own Checks?

Printing your own checks can be a cost-effective option if you have access to a printer and check printing software. However, there are some important considerations to keep in mind.

First, it's crucial to ensure that your self-printed checks meet the necessary security requirements. Checks need to have specific features, such as magnetic ink and unique watermarks, to prevent fraud. If you're unsure about the requirements, consult with your bank or a professional check printing service.

Second, printing your own checks requires careful record-keeping and organization. You'll need to keep track of each check you print and record it in your check register to maintain accurate financial records.

What Do You Need on Your Checks?

When ordering checks, it's essential to include all the necessary information to ensure they can be used for their intended purpose. Here are the key elements to include on your checks:

• Account holder's name: Your full legal name or the name of your business
• Bank information: The bank's name, routing number, and account number
• Contact information: Your address, phone number, and email address
• Optional features: Some checks may allow you to include additional information, such as a logo or custom design

Be sure to double-check all the information before finalizing your order to avoid any mistakes or delays in receiving your checks.

How Much to Order

Now that you know where to order checks and what information to include, let's talk about how much to order. The quantity of checks you should order depends on your usage and preferences.

For personal use, consider factors such as how often you write checks and how frequently you need to reorder. If you write checks sparingly and rarely run out, a smaller quantity, such as a box of 100 or 200 checks, may be sufficient. On the other hand, if you write checks frequently or prefer to have a larger supply on hand, you may opt for a larger quantity, such as a box of 500 or 1000 checks.

For businesses, the quantity of checks needed can vary greatly depending on the size and nature of the company. Smaller businesses may only need a few hundred checks, while larger organizations may require thousands. Consider factors such as the number of employees, the volume of transactions, and the frequency of check usage to determine the appropriate quantity.

It's also important to factor in any bulk discounts or special promotions offered by the check printing company or your bank. Ordering in larger quantities may result in lower prices per check, saving you money in the long run.

Conclusion

Ordering checks doesn't have to break the bank. By exploring alternative options and considering your usage needs, you can find affordable and customizable checks that meet your requirements. Whether you choose to order from a bank, online printer, or major retailer, be sure to compare prices and read reviews to ensure you're getting the best deal.

Remember, it's important to include all the necessary information on your checks and order the appropriate quantity to avoid running out or overspending. By following these guidelines, you can confidently order checks and manage your finances efficiently.