How to Use a Check Writer: Complete Guide to Creating Professional Checks

Creating professional checks doesn't have to be complicated or expensive. With a modern check writer tool, you can design, customize, and print checks from the comfort of your home or office. This comprehensive guide will walk you through everything you need to know about using a check writer to create bank-compatible checks.

What is a Check Writer?

A check writer is an online tool that allows you to create professional checks digitally. Instead of ordering expensive pre-printed checks from your bank or a printing company, you can use a check writer to design and print checks on demand. Modern check writers like CheckWriter offer:

• Free online access - No signup or account creation required
• Professional templates - Multiple check designs to choose from
• MICR encoding support - Bank-compatible formatting
• Automatic number conversion - Converts dollar amounts to written words
• PDF export - High-resolution files ready for printing
• Customization options - Adjust colors, fonts, and add your logo

Why Use an Online Check Writer?

There are several compelling reasons to use an online check writer instead of traditional check ordering:

Cost Savings

Ordering checks from your bank typically costs $20-30 for 200 checks, plus shipping. With a check writer, you only pay for blank check stock paper (around $20-30 for 500 sheets), giving you significant savings over time.

Convenience

Create checks instantly whenever you need them. No waiting for delivery or running out of checks at inconvenient times.

Customization

Personalize your checks with your logo, preferred colors, and design elements that match your brand or personal style.

Security

Many check writers work entirely in your browser, meaning your financial information never leaves your device. This provides better privacy than cloud-based solutions.

Step-by-Step Guide to Using a Check Writer

Follow these simple steps to create your first professional check:

Step 1: Open the Check Writer Tool

Navigate to your chosen check writer application. For this guide, we'll use CheckWriter as an example, but the process is similar across most check writing tools.

Step 2: Enter Your Payer Information

Start by filling in your information as the check writer (the person or business issuing the check):

• Payer Name: Your full name or business name
• Address Line 1: Street address
• Address Line 2: City, State, and ZIP code
• Phone Number: Optional, but helpful for business checks

This information appears in the top-left corner of the check, just like traditional checks.

Step 3: Add Bank Details

Enter your banking information:

• Routing Number: Your bank's 9-digit routing number
• Account Number: Your account number
• Bank Name: Optional, but adds professionalism
• Bank Address: Optional bank location information

Important: Double-check these numbers before printing. Incorrect routing or account numbers will cause the check to be rejected by banks.

Step 4: Fill in Check Details

Now enter the specific information for this check:

• Pay to the Order of: The recipient's name
• Amount (Numeric): The dollar amount (e.g., "150.50")
• Amount (Words): Automatically generated by the check writer (e.g., "One Hundred Fifty and 50/100")
• Memo: Optional note about the payment purpose
• Check Number: Sequential number for record-keeping
• Date: The date the check is written

Most modern check writers automatically convert numeric amounts to written words, eliminating errors and saving time.

Step 5: Customize Your Check Design (Optional)

Many check writers offer customization options:

• Template Selection: Choose from business, personal, or specialized check templates
• Color Scheme: Adjust accent colors to match your brand
• Font Style: Select serif, sans-serif, or monospace fonts
• Logo Upload: Add your business logo for professional appearance
• Background: Choose solid colors or subtle textures

Step 6: Enable MICR Encoding

MICR (Magnetic Ink Character Recognition) encoding is essential for bank processing. Ensure your check writer includes:

• Routing number in MICR format
• Account number in MICR format
• Check number in MICR format

These appear at the bottom of the check in a special font that bank scanners can read.

Step 7: Review and Download

Before downloading, review all information carefully:

• Verify all numbers are correct
• Check spelling of payee name
• Confirm amount matches your records
• Ensure date is correct

Once satisfied, click the download button to generate a high-resolution PDF (typically 300 DPI for professional printing).

Step 8: Print on Blank Check Stock Paper

For best results, use blank check stock paper designed for home printing:

• Standard Size: 8.5" × 3.5" (or three checks per 8.5" × 11" page)
• Security Features: Look for paper with security features like watermarks
• MICR Toner: Optional but recommended for better bank compatibility
• Where to Buy: Available on Amazon, office supply stores, or specialty check paper retailers

Pro Tip: Print a test check first on regular paper to verify alignment and formatting before using expensive check stock.

Tips for Professional Check Creation

1. Use Consistent Formatting

Maintain the same design and layout across all your checks for a professional appearance. This is especially important for business checks.

2. Keep Records

Always record check details in your accounting system before printing. Include:

• Check number
• Date
• Payee
• Amount
• Purpose (memo)

3. Store Checks Securely

Keep blank check stock paper and printed checks in a secure location. Treat them like cash.

4. Verify Before Printing

Double-check all information, especially:

• Routing and account numbers
• Payee name spelling
• Dollar amounts (both numeric and written)

5. Use Quality Paper

Don't skimp on check stock paper. Cheap paper may not work with bank scanners and could cause processing delays.

Common Mistakes to Avoid

Mistake 1: Using Regular Paper

Regular printer paper won't work for bank processing. Always use proper check stock paper with security features.

Mistake 2: Incorrect Routing Numbers

Double-check your bank's routing number. Using the wrong number will cause the check to be rejected.

Mistake 3: Mismatched Amounts

Ensure the numeric amount matches the written amount. Most check writers handle this automatically, but always verify.

Mistake 4: Missing MICR Encoding

Without proper MICR encoding, banks may not be able to process your checks automatically, leading to delays.

Mistake 5: Poor Print Quality

Use high-quality printer settings (300 DPI minimum) and ensure your printer is properly calibrated for accurate printing.

Security Considerations

When using a check writer, keep these security tips in mind:

• Local Processing: Choose a check writer that processes everything in your browser, not on external servers
• Secure Storage: Keep your routing and account numbers secure
• Regular Monitoring: Monitor your bank account regularly for unauthorized activity
• Proper Disposal: Shred unused or voided checks securely
• Limited Information: Only include necessary information on checks

Frequently Asked Questions

Can I use a check writer for business checks?

Yes! Many check writers offer business check templates with professional designs suitable for companies, LLCs, and corporations. Business checks typically include space for company information and can be customized with your logo.

Will banks accept checks created with a check writer?

Yes, as long as you use proper check stock paper and include correct MICR encoding. Banks process these checks the same way they process traditional pre-printed checks.

Do I need special software to use a check writer?

No! Modern check writers work entirely in your web browser. No downloads or installations required. Just visit the website and start creating checks.

How much does it cost to use a check writer?

Many check writers, including CheckWriter, offer free versions. You only need to purchase blank check stock paper (around $20-30 for 500 sheets) and have access to a printer.

Can I add my signature to checks created with a check writer?

Yes! Most check writers allow you to upload a signature image that will be printed on each check. Alternatively, you can sign checks manually after printing.

What's the difference between a check writer and ordering checks from my bank?

A check writer gives you:

• Instant access (no waiting for delivery)
• Lower costs (only pay for paper)
• Customization options
• Ability to create checks on demand

Bank-ordered checks are pre-printed with your information and require reordering when you run out.

Is it legal to print your own checks?

Yes, it's completely legal to print your own checks as long as you have a valid bank account and use proper check stock paper. Many businesses and individuals print their own checks to save money and maintain control.

Getting Started with CheckWriter

Ready to create your first professional check? Try CheckWriter for free - no signup required. Our check writer includes:

• Multiple professional templates
• Automatic number-to-words conversion
• MICR encoding support
• High-resolution PDF export
• Full customization options

Start creating professional checks in minutes, completely free. Whether you need personal checks, business checks, or specialized templates, CheckWriter has everything you need to get started.

Conclusion

Using a check writer is a modern, cost-effective way to create professional checks. With the right tool and proper check stock paper, you can produce bank-compatible checks that look professional and save you money compared to traditional check ordering.

Remember to always verify your information before printing, use quality check stock paper, and keep your checks secure. With these best practices, you'll be creating professional checks like a pro in no time.

Ready to get started? Create your first check now with our free check writer tool.