Understanding the Process: How to Obtain Checks Safely and Conveniently from Banks and Financial Institutions

Checks continue to play an important role in personal and business finance, even as digital payment methods become more prevalent. Obtaining checks is a straightforward process, but the choices available can vary based on your financial institution, preferences, and urgency. From ordering directly through your bank to utilizing reputable third-party vendors, understanding the steps and options helps ensure you receive checks that meet your needs securely and efficiently. This guide delves into the main methods for getting checks, the types of checks available, and important considerations for security and convenience.

Major Ways to Get Checks

There are several legitimate avenues to obtain checks, each offering unique advantages. The most common methods include ordering through your bank or credit union, purchasing from third-party check printers, or obtaining starter checks when opening a new account. Each method varies in terms of cost, customization, speed, and security.

1. Ordering Checks from Your Bank or Credit Union

• Most banks and credit unions offer check ordering services to account holders. You can typically order checks online through your account portal, by phone, at a branch, or via mail-in request forms. Many institutions partner with established check printing companies such as Deluxe or Harland Clarke to fulfill orders.

• Ordering directly through your bank ensures that your routing and account numbers are accurate and that the design complies with banking standards. Some banks provide free or discounted checks for certain account types, such as premium or senior accounts.

2. Using Third-Party Check Printers

• Reputable third-party check printers like Checks Unlimited, Costco Checks, and Vistaprint allow you to order personal or business checks online. These vendors often offer a wider range of designs and customization options, sometimes at lower prices than banks.

• When using a third-party printer, you will need to provide your bank’s routing number, your account number, and sometimes a voided check for verification. It is essential to use only well-known, secure vendors to protect your financial information.

3. Obtaining Starter Checks

• When you open a new checking account, many banks provide a small number of starter checks. These are temporary checks that allow you to make payments or set up direct deposits until your personalized checks arrive. Starter checks usually lack customization and may have limited features.

Types of Checks Available

• Personal Checks: Standard checks linked to your individual checking account, used for everyday transactions.

• Business Checks: Designed for companies, these checks often include additional security features and space for recording transaction details.

• Cashier’s Checks: Issued and guaranteed by the bank, often used for large purchases or when a payee requires guaranteed funds. These must be obtained in person at a branch.

• Certified Checks: Similar to cashier’s checks, but the funds are drawn from your account and certified by the bank as available.

Steps to Order Checks

1. Verify Account Information: Ensure your name, address, and account details are current with your bank.

2. Select a Provider: Decide whether to order from your bank or a trusted third-party printer.

3. Choose Check Style: Pick a design, check format (single, duplicate), and any additional features such as security enhancements or custom logos.

4. Submit Order: Place your order online, by phone, or in person, providing all required information.

5. Review and Confirm: Double-check all details before submitting your order to avoid errors.

6. Track Delivery: Most providers offer tracking for your order. Standard delivery can take 7-14 business days, while expedited shipping is often available for an additional fee.

Comparison Table: Popular Ways to Get Checks

Tips for Ordering Checks Safely

• Always order checks from reputable sources to prevent fraud or identity theft.

• Keep your checkbook in a secure location and never share images of your checks online.

• Review your bank statements regularly for unauthorized transactions.

• Consider checks with added security features such as watermarks, microprinting, or holograms.

• Destroy old or unused checks securely by shredding them.

Frequently Asked Questions

• Can I get checks instantly? Some banks offer instant starter checks when you open a new account, but personalized checks typically require processing and shipping time.

• Are online check printers safe? Yes, as long as you use established, well-reviewed companies that utilize secure ordering systems and protect your personal data.

• Do I need checks for direct deposit? Many employers request a voided check to set up direct deposit, but some accept a direct deposit form provided by your bank.

Alternatives to Traditional Checks

• Many banks offer electronic payment options such as online bill pay, Zelle, or wire transfers for situations where checks are not required.

• Money orders or cashier’s checks can be used for guaranteed payments or when a payee requires certified funds.

Summary

Obtaining checks is a straightforward process with multiple options to suit different needs and preferences. Whether you choose to order through your bank for simplicity and security, or through a third-party provider for greater customization and potentially lower cost, it is important to prioritize security and accuracy. Always verify your account information, select a trustworthy provider, and keep your checks secure to protect your finances. With the right approach, checks remain a reliable and convenient way to manage payments and financial transactions.

References

• chase.com
• wellsfargo.com
• bankofamerica.com
• checksunlimited.com
• costcochecks.com
• vistaprint.com