Where To Buy Checks: Avoid Your Bank To Save Money | Bankrate

With online bill pay and mobile wallets on the rise, consumers are less reliant on paper checks. consumers who still write checks will probably be surprised when it’s time to order again. a box of checks with duplicates ordered through a bank can cost $35 or more.

Fortunately, it’s okay to look for cheaper checks (and cooler designs) online, as long as you take a few basic precautions.

You are reading: How much are check books

the best offers in checks are not in the banks

A quick survey of standard blue check prices online reveals that you can save big by ordering through a third-party printer.

prices obtained online Jan. 25, 2018

the cheapest provider we could find was sam’s club. The Walmart-owned shopping club sells individual checks for about 2 cents each, much less than the price you’ll pay if you order them through Chase Banks’ check-reordering provider.

Of course, price isn’t everything; you do not want to give your current account information to an incomplete and improvised operation. If you’ve never heard of the site you’re thinking of ordering from, check it out through a better business office search before providing any sensitive information.

safe places to shop

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If leaving your bank to get checks makes you nervous, keep in mind that banks don’t normally print checks. they send them to a third-party printer, like deluxe or harland clarke, so all you’re doing is cutting out a middleman.

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Enhanced Check Security Features Padlock IconOne easy way to tell whether you’re ordering checks from a reputable company whose products meet basic security standards is to look for a little padlock icon on the right side of their checks under the “amount” box. If it’s there, you know the check and the company itself have been vetted by the Check Payment Systems Association.

“The padlock icon is a way of informing check handlers that checks in their possession have at least a minimum number of security features that would protect against check tampering and check duplication. check,” says steven antolick, executive director of cpsa.

A list of all cpsa-authorized printers can be found on the organization’s website.

everything you need to order checks

If you decide to take the plunge, everything you need to order new checks online can be found in one of your old checks (or a temporary check, if it’s a new account).

  • your checking account number.
  • your bank’s routing number, which you can also find on the bank’s website.
  • the check number in your last check, so you know what number your new checks should start with.
  • in some states, the date you opened the account.

Infographic: Different parts of a check

You’ll also want to double-check your order before making it final. While printers typically verify your account details with the bank before printing, checks with the wrong account information on them aren’t very useful.

security the most important feature

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If you’re going to spend more than the bare minimum on a check, you should do it on check security features, says Magnus Carlsson, manager of treasury and payments at the Association of Financial Professionals.

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“Checks are the most fraudulent payment method,” says Carlsson. “so anything you can do to make yourself more secure is a great thing.”

Top-of-the-line security features like extra hard-to-copy microprinting, hologram foil, heat sensors, and hard-to-duplicate watermarks can double the cost of checks.

The cost of additional check security is probably more manageable for consumers, who write checks occasionally, than for businesses that write thousands or even millions of checks a year. weigh your costs against the potential consequences of fraud, says Carlsson.

checks can look cool too

Another advantage of looking for checks outside the bank is that you can find a larger selection of colors and styles. In fact, you can find checks online with just about any image or subject you can imagine, from fine art to varsity sports teams to cats doing yoga.

If you can’t find a particular design, you can always create your own. Many check printers offer customers the option of using their own designs or photos as backgrounds.

You may also find an opportunity to do a little good with your check order. Many charities, such as the National Breast Cancer Foundation, raise money by putting their names and logos on checks. expect to pay several dollars more for two fancier check boxes that incorporate special designs.

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