Business Checks
Frequently asked questions in this categoryWe offer custom checks and checks with your own design, so you have plenty of options.
Check Quality
Our business checks are designed and tested to meet or exceed industry standards.
Check Pricing
Our business checks are priced competitively and may be more cost-effective than your bank checks.
Check Security and Fraud Prevention
Our business partners and fraud team are constantly testing existing and new security features to ensure that checks will remain one of the most popular and safe methods of payment.
Check Innovations and Opportunities
Our business partners are part of industry groups which will help identify areas where future change may be important.
Check 21
Check 21 is a federal law that impacts the way financial institutions process checks. Check 21 enables financial institutions to speed up check processing by creating and transmitting electronic images of checks known as substitute checks, which is a paper copy of the front and back of the check created from a scanned image. It is slightly larger than the check and contains the following information:
- An image of the front and back of the check
- All the information from the original check
- Information on how the check was deposited
- A statement indicating that the image is a legal copy of the original check
Once a check is deposited, financial institutions can create an electronic image of the check and transmit the image to another financial institution for processing. Check 21 provides the rules and guidelines for the use of substitute checks and provides protections to those who may receive a substitute check.
Substitute checks can be used for record-keeping or proof of payment the same way as the original check. Check 21 also provides a special procedure that allows consumers to request a refund for losses suffered if a substitute check was posted incorrectly to their account. This only applies if the account problems are based on how a check was converted to a substitute check. In this case, the financial institution will provide a disclosure to outline the process and guidelines for processing requests for expedited re-credit.
What does it mean to me?
Check 21 does not affect the way you write checks, just the way your financial institution processes them. Checks will however clear faster and with faster check clearing, financial institutions may be able to detect check fraud faster.
Laser checks and forms can curl in certain conditions. To prevent this, you may take the following steps:
- Store your documents in an air-conditioned or climate-controlled environment. The ideal storage environment is 65-75 degrees Fahrenheit with no more than 45-55% humidity.
- If you move your documents to an environment with a different temperature or humidity, let them sit 24 hours to acclimate to the new environment before you print.
- Store your laser documents flat in their original inner carton. Do not stack other items on top.
- Completely fill the printer tray, even if you are only printing a few documents.
- Fan the paper to remove static before you load it into the printer.
- Keep your printer maintained as it will also help reduce paper feeding and jamming issues.
Laser checks CAN indeed be ordered blank, where the software prints pretty much everything.
"Pay to the order of" and the signature line will be pre-printed but we can leave out the company name, bank information and MICR line. We also offer blank laser check stock which will be entirely blank.
Exception: High Security checks CANNOT be ordered blank.