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Your Guide to Buying Personalized Checks Online

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Choose a Reputable Company

In a world of mobile banking, electronic money transfer apps and e-wallets, a paper check may seem outdated. However, there are times when checks are useful and the only alternative to cash, such as when you're shopping at a business that doesn't accept debit or credit cards as payments. Checks also are safer than cash to send through the mail, and they serve as proof of payment.

When you need to buy a box of checks, you can skip a trip to the bank and shop safely from home. There are plenty of companies that print checks, but look for one that offers security features like chemical-protective paper and holographic foil that makes it impossible to copy checks on scanners or copy machines. Companies like Checks Unlimited offer additional defense against fraud.

The Check Payment Systems Association (CPSA) maintains a list of companies that follow its security standards. These companies print a padlock icon on each check near the amount box. This symbol lets you know the check has at least the minimum number of security features the CPSA requires.

Have Fun Choosing a Design

You can browse hundreds of check designs that range from classic, single-color designs to intricate patterns in an array of shades. There are also checks featuring animals, outdoor landscapes and licensed characters, so you can choose a check that reflects your personality or interests. Add a quote or photograph to completely customize the design.

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Another consideration to keep in mind is the check style. You're probably familiar with traditional top-tear checks that fit in most checkbook covers and stay securely in place. However, you may want to try side-tear checks with perforations along the left edges of the checks. These checks tend to rip less often when you remove them.

You also have to decide which check format best suits your lifestyle. Single checks are affordable and easy to use. However, duplicate checks automatically create carbon copies of each check, making it easier to record your purchases. Desk set checks are another option. These checks leave behind a stub on which you can write the details of the check instead of tracking it in a register.

Enter Information Carefully

No matter where you order your checks, you have to include certain details such as your personal information and bank account numbers. When entering your personal information, write your name and address as they appear on your identification so it's easier for merchants to verify your identity.

Your checks also need to list your bank account information. You can find this at the bottom of an existing check. The first numbers indicate the bank's routing number, and the second set of numbers is your checking account number. If you don't have a check, you can ask your bank for the information or see if the information is available on the bank's mobile app.

Although some people print their driver's license numbers on their checks, it's not necessary. You should never print your Social Security Number directly on a check. Merchants don't need that information, and you risk becoming a victim of identity theft when you include it. In fact, you shouldn't display your Social Security Number anywhere unless it's absolutely necessary, according to the Social Security Administration.

Select Trackable Shipping

The final step in the check-ordering process is choosing a shipping method. Select an option with tracking services so you can keep tabs on the checks while they're in transit. This also lets you know when to expect delivery so you can make sure someone is available to pick up the package as soon as possible instead of leaving it unsecured outside.

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Some companies ship your checks only to the address you have printed on the checks. Others may send your checks to a different address as long as you verify that it's a valid address. Keep this in mind if you'd rather have your checks sent to your work building or a post office box.

Most check-printing companies give you the option of reviewing the information you entered before you complete the transaction. This is a great opportunity to verify details like your routing and checking account numbers and spelling. When you're ready, submit your check order and wait for it to arrive through the mail.