Many businesses these days see online as the best place to order checks, including smaller businesses and large corporations. This is mainly because doing this enables them to not only increase the security features of their checks to protect against fraud but also allows for personalization. This creates a double benefit for businesses, which is why ordering check online is becoming increasingly popular.
If you've decided that online ordering is the right choice for your business, you may be wondering how to figure out where you can get the best checks. In my review of the best business checks online, you'll find a great selection of options for this purchase. I also reviewed the top companies offering cheap personal checks.
The Best Online Business Checks - In This Guide
- The Best Check Ordering Companies: Our Top Picks
- Key Considerations When Ordering Business Checks
- Why Order Checks Online?
- Tips & Advice
- Cheap Business Checks
- Do You Need QuickBooks Checks?
- Order Business Checks with Customized Designs
- Always Consider Security when You Order Business Checks
- Business Check Printing and CPSA Regulations
The Best Check Ordering Companies: Our Top Picks
- Well known company and established over 100 years
- Enhanced high security checks with 22 security features
- 100% satisfaction guarantee on all orders
- Business and payroll checks compatible with accounting software
- Complies with CPSA requirements
- Live chat option isn't always as helpful as it could be
Deluxe Checks was founded in 1915, offering the first flat personalized checkbook. Now a $1.6 billion company, Deluxe has corporate locations in the U.S., Canada, and Ireland. The company features numerous customized design options which allow individual businesses to add their logos and other individual touches. Deluxe Checks features state-of-the-industry security, and has an A+ rating with the Better Business Bureau. It has a good customer service department and an excellent online FAQ section.
The best thing about this check printing company is experience - they have been providing checks to banking institutions for over a century. While the prices aren't as competitive as some other cheap business check websites, you know you're getting a very high standard of security and professionalism with Deluxe. If you're looking for a solid option for your business checks without having to go through your bank, Deluxe Checks are a great choice.
Checks for Less Review
- Wide variety of choices
- Simple tool to choose your business check printing software
- CPSA compliant
- Multiple security features
- A+ BBB rating
- Cluttered website with small text
- Some complaints about print quality
While not the most well known, Checksforless.com has actually been a BBB accredited member since 2001. The website, owned by EiPrinting, claims "The guaranteed lowest priced checks, deposit tickets, and banking supplies for today's small business." The company offers a large product range, with a respectable amount of design choices within each category. You can also add your own logo, which is free as long as it's black and white.
My research showed that one of the features customers love most is the ability to easily reorder checks online. If you choose laser printer checks, the website makes it easy to select your accounting software. Another major advantage of Checksforless.com is that they will accept returns for any reason, allowing you to choose a refund, a new order, or site credit.
On the downside, there are so many products and so much information on the website that it can be difficult to navigate everything. The text is very small and there is too much of it packed onto the Checksforless.com homepage. A few people have experienced issues with faint print on parts of their business checks. Fortunately, customer service attends to these problems quickly and in a friendly manner. There are several contact options – online chat, phone, fax, and email, and the website even has a blog.
Overall, Checksforless.com is a solid bet for your business financial product needs. They've been around for years and maintain an excellent BBB rating. This puts them in my top five list of the best business checks online.
Checks in the Mail Review
- Plentiful design and color selection
- High-level security features
- BBB rating of A+
- Compliant with all industry requirements
- Multiple customer service options and helpful representatives
- No money-back guarantee
- Setup fee for logos
Checks In The Mail has been a BBB accredited business since 2002. Their real longevity and reliability, however, comes from the fact that they're owned by Harland Clarke, one of the major suppliers of bank checks since 1988. What this means for you when you order business checks online is that you get the best security measures available. Whether you need QuickBooks compatible products, high security checks, or manual versions for writing on by hand, ChecksInTheMail.com has you covered.
While they don't offer the largest selection of design choices in the industry, what this business check printing company does offer is a good balance of security features, prices, and customer service. These factors give ChecksInTheMail.com a top spot on my list of the best places to order business checks.
Key Considerations When Ordering Business Checks
There are a number of considerations that you should take into account when you are searching for a trustworthy check ordering company. Some of the things to look at include:
1. Design Options
If you want to use your checks to help with branding, you'll want to compare printing companies for what kind of options you will get when it comes to personalizing the checks.
Check printing companies aren't all created equal when it comes to how many checks you receive per box. 250 is a fairly standard count but some companies do offer options for more or less per box. Verify that you know what you're getting for the price.
3. What Is Included
There's a lot of fine print when you order business checks online, so double check what comes in your order. Some sellers include things like checkbook covers and deposit slips. You can also get complete new business kits.
4. Additional Features
You may want duplicate copies and other tools to help you keep track of spending. These aren't always included, so make sure to get exactly what you need.
5. Security Features
It's vital to know what security features the checks come with and whether the company is part of the Check Payment Systems Association. This is the best way to protect your business against fraud.
6. Customer Support
Great prices are helpful, but you also want to be sure that if there's an issue or you have a question, that someone will address it promptly.
Knowing what past customers have had to say about the companies that you are considering using can make all the difference in choosing a reliable printer.
By taking all of these things into consideration you will find the whole process far faster and easier, enabling you to start ordering your online business checks with complete confidence. Be sure to check all provider reviews and see the articles on check ordering companies for additional information.
Why Order Checks Online?
The internet has made ordering checks online easy for business owners. The benefits of doing so are wide ranging. These advantages include:
- Cost savings: when you buy checks online you will pay a fraction of what it costs to order bank checks.
- Customization: choose from an array of colors and designs, and even add your logo.
- One-stop-shopping: ordering checks online typically gives you the convenience of buying other supplies (like binders, writing supplies, even business cards) from the very same website.
Don't be in a rush to make your selection. Take some time to compare the package deals offered by various companies. Make sure you know how many checks come in a box. Does the check ordering company include check registers and checkbook covers in an order? What about deposit slips? Or do you have to pay for these items separately? Consider all these factors when ordering online checks.
Tips & Advice
You can't beat the convenience and spontaneity of ordering checks online. However, it's important to have some guidelines in mind before you make your selection. Consider pricing, security features, the reputation of the check ordering company you choose, as well as the breadth of design choices. You'll also need to consider which kind of check is appropriate for your company's needs.
In my research, I found that this term is often used interchangeably with computer checks or laser printer checks. This type is designed for users to run through a printer to fill them out rather than handwriting them with a pen. They are available in several types:
- Check on top, in the middle, or on bottom
- Three to a page
- Continuous form
- High security
- Wallet style with stubs
- Compatible with QuickBooks and other accounting software
As you can see, you can get virtually anything you need even when ordering business checks online.
While this term, as I stated above, is typically used to refer to the same thing as the laser type, computer checks may be printed using a laser or an inkjet printer. For all practical purposes, however, most check printing companies choose not to differentiate the two. Computer checks are available in the same formats and options as laser including with compatibility for almost any accounting software on the market.
These are available in both hourly and salary versions and manual or laser formats. They come with payroll check stubs in order to make bookkeeping easier. Whether you're a small business owner who writes out your employees' payroll checks by hand or a large corporation in need of a fast way to print in large volume, you'll have no trouble finding the right payroll checks to order online.
Cheap Business Checks
It wasn't that long ago when you had to order your checks directly from your bank. The banks offered few pricing options, and even the basic check formats were on the pricey side. With the proliferation of online check ordering (there are literally thousands of companies vying for your business) come several advantages. The fierce competition forces online check ordering companies to offer added value.
Security is, of course, one of the key benefits for any business given that fraud has become such a big issue over recent years. Through the best check ordering companies, you can enjoy greater peace of mind and confidence when it comes to protection against fraud, which is what most businesses are keen to do.
Don't be in a rush to make your selection. Take some time to compare the package deals offered by various companies.
The ability to personalize the checks with a design that reflects your style or the nature of your business is another major benefit. This adds an additional element of professionalism and also helps to market the business when checks are sent out with the personalized design.
You can now find various check ordering companies to choose from, and by carrying out research to find the best ones you can ensure you benefit from a hassle-free process.
Do You Need QuickBooks Checks?
Some manufacturers will provide checks that are compatible with the leading accounting programs such as Peachtree or QuickBooks. If your business uses these accounting programs, this feature will be important to you. Checks for QuickBooks are easy to find, including QuickBooks payroll checks.
Of course, not every business uses QuickBooks (and according to Forbes, maybe some shouldn't be). Fortunately, most companies offer their products in versions that are compatible with an array of other software programs like Quicken and Microsoft Money. Each of the companies in my review carries a selection of accounting software compatible checks. With Intuit's impressive market share, however, computer checks for QuickBooks remain by far the most prominent choice.
Do Your Research on the Check Printing Company
Some check ordering companies will offer money-back guarantees or check replacement programs in case you have a problem. Look for online check manufacturers who offer added customer service features such as live chat or a FAQ page. Check manufacturer reviews where you'll discover how the company responds to problems and whether it has a knowledgeable and helpful customer service staff.
Check to see if the manufacturer is a member of the Better Business Bureau (BBB) and whether it has a good rating with the BBB. Reliable check printing companies will have a solid reputation that's easy to verify.
Order Business Checks with Customized Designs
If you order from checks from your bank you'll only have a few design options. With online check ordering, a world of unique designs is at your fingertips, enabling you to make a creative and compelling choice.
Custom Business Checks Reinforce Your Brand
You can select the font you want, get business checks with a logo, or even add a monogram. This enables you to choose the perfect check design which matches your company's personality rather than settle for a bland presentation that does nothing to enhance your brand.
Whether your corporate personality is whimsical, artistic, or all-business, you'll find the style that fits your unique persona when you order your checks online. From manual business checks to laser or high security, you can have your checks designed to complement your stationery, business cards, and address labels. After all, you have a virtual Universe at your command!
Always Consider Security when You Order Business Checks
Security concerns should be your top priority when ordering checks online. According to a 2013 study conducted by the Federal Reserve, of all the monetary instruments, checks are the most susceptible to fraud. Be aware of the most common types of check fraud: forgery and counterfeiting.
You can prevent counterfeiting if you invest in high-quality checks that include watermarks, micro-printing, fluorescent fibers and chemical-resistant material.
Check Forgery - Thieves can steal your personal banking information, then print it on counterfeit checks that are so realistic they can pass muster with even the most security conscious banks. It's best to protect yourself by always keeping your checks in a secure location, shredding all documents that contain your personal information before tossing it into the trash and making sure that all sensitive business data is kept under lock and key.
Check Counterfeiting - Check counterfeiters reproduce copies using a variety of tools including scanners, lasers, or computers. Some of the most sophisticated counterfeiters also use high-grade lasers and printers to make the bogus checks look more realistic. Thieves can also alter the appearance of checks by using bleaching agents to "wash" them clean. You can prevent counterfeiting if you invest in high-quality checks that include watermarks, micro-printing, fluorescent fibers and chemical-resistant material.
For higher risk transactions, such as payees with whom you're not familiar, it's a good idea to use high-security business checks. Whereas normal business checks may have three to six security features, high-security business checks have 10 or more, sometimes up to 25.
Ironically the first affordable, accessible high-security check was invented by experienced forger Frank Abagnale. Following his offenses, Abagnale was hired to analyze checks' weaknesses and is now a leading authority on fraud prevention.
You can also prevent becoming a victim of check fraud by using online transfer tools when you make payments, periodically reviewing your account information to make sure that everything is correct, and storing your canceled checks and financial information in a safe place.
Business Check Printing and CPSA Regulations
The first step in ensuring that your checks are secure is to make sure that the check printer you're considering belongs to the Check Payment Systems Association (CPSA) and complies with all the CPSA regulations. The CPSA sets the security standards for the check printing industry. All check manufacturers are required by the CPSA to use three security features on their products including specific paper stocks and inks as well as sophisticated designs which are not easily replicated by counterfeiters.
Checks which meet CPSA guidelines include a padlock icon. If you do not see the padlock icon, shop somewhere else! The top check printing companies go beyond the CPSA requirements by including a set of premier security features which include visible fibers which are embedded in the paper stock, heat-sensitive inks, watermarks and technology that can detect chemical alterations. Some checks even come with a hologram that is impossible to be duplicated. Remember: cheaply made checks make it easier for counterfeiters. Check out Bankrate's revealing experiment on this issue.
With the choice of check ordering companies to select from it is a good idea to determine what the most important qualities are for your specific needs. For many businesses, security and choice of designs will be the most important but others will be more focused on cost and value for money.
Once you have decided on the key things you are looking for you can then make an informed decision with regards to the provider you choose. If your bookkeeping needs improvement, check out our advice on how to choose the best accounting software. Finally, make sure you've got the best business credit cards.