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How to Print Your Own Checks

Mar 23, 2008
With most any bank, one of their larger hidden fees comes into play when you need to order more checks, despite their "free" checking. After all, these banks have to make money in some fashion. However, you can save the cost of checks by printing your own.

Before you begin the task of check printing, there are vital parts that should be considered. Contrary to what you may initially think, it is never quite as simple as merely having them come out on a piece of paper. Definitely purchase a check printing program. There are many quality programs available that are inexpensive. Furthermore, we have listed some guidelines to help you get started.

What Do You Need?

If you are going to print your own checks, you will need hardware as well as software to have access to a truly professional result. You can conveniently use your printer at home. You will need magnetic ink, however this may be challenging since this ink can be hard to find. Don't get discouraged; it will take some looking.

To ensure you checks cannot be changed, you must have the magnetic ink as well as special paper. Check stock paper is available through a number of retail stores as well as online. You can acquire blank check stock by reams of hundreds of sheets, so that they will be able to last for a long time, even if you write a great many checks. This paper will look like the checks issued by a bank. The full security provided with these checks makes it extremely difficult for those trying to change the information on them.

Those among us who enjoy employing money management programs also have the option of purchasing checks for Quicken and other programs. This kind of check stock is made in particular for those programs; therefore, you can automatically print checks for particular expenses that are partial to your bookkeeping program.

Magnetic Ink in Detail

Magnetic ink is imperative for numerous reasons. Most importantly, after you write a check, it will subsequently be run through a reader and non-optical readers can only read checks printed in magnetic ink. If you don't print with magnetic ink the bank will have to manually process the check. This can lead to delays and additional fees, defeating the purpose of saving money.

What do you know about MICR fonts?

Have you ever wondered why the routing and account numbers on your checks are printed in that odd type? The reason is because they are printed in what is known as an MICR format. Numbers written in MICR or another font known as E-13B are usually the only way banks will take these checks. You will want to ascertain that your printer is laser quality; as such a printer is ordinarily required in order to print these fonts. Such fonts will also be much easier to print out upon laser stock paper, as well.

If your household dynamics require a lot of check writing, check printing can add up to a substantial savings. Despite the fact that, when you start, the additional equipment might be a little more expensive, in the end you will reap the benefits. But you ensure that all of these security measures are taken to heart. If you fail to do take these measures, then you may end up having somebody alter the details of one of your checks, which can create an abundance of troubles.
About the Author
Well versed in personal banking and checking matters, William Gordon writes about check stock and other business banking topics including blank check stock.
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