Checks don’t fit in well with today’s instant-access world: When you're running low, you must order them several weeks in advance so they can be printed with your information on them. But if you’re in a pinch after having run out of checks before your new ones arrive, you can often get several instant counter checks from your bank to meet your temporary need. Show
A teller or personal banker can print counter checks for you. When you first open an account at a bank, you will probably be given several counter checks to get you started before your official checks arrive. They will have your account information on them, so they work just like regular checks. Your ABA routing number and account number appear on the bottom of each check in that familiar computerized MICR font. Some banks include your name and address as well, but for the most part, these checks are very basic, and merchants can usually tell when you’re using a counter check. Pros and Cons of Using Counter ChecksWhat We Like
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How To Get Counter ChecksVisit your bank or credit union’s branch to request a counter check. Before you make a trip to the branch, call and make sure counter checks are available there. Find out what the process is and whether you need to use any particular branch. Of course, if you use an online-only bank, you can’t get counter checks because there is no branch to visit. Once at the branch, ask the teller or personal banker to print the checks, show your ID, and complete any other steps required by the bank. You should have your checks in your hand in just a few minutes. How To Fill Out Counter ChecksWriting a check with a counter check is the same as using any other check:
You might also need to write your personal information on the check, usually in the upper-left-hand corner. Again, some banks print those details for you. If not, whoever you’re writing the check to will probably want to know how to contact you if any problems arise. For example, they may require you to provide your name and phone number at a minimum. Retailers often want your address and driver’s license number as well. How To Use Fewer ChecksIf you’re out of checks, and you find yourself in this situation often, try to use fewer checks. NoteAlthough counter checks are helpful, it takes time to go to the branch, and it’s likely less expensive to order checks from a printer. To use fewer checks, take advantage of technology:
Counter Checks Are Not Cashier's ChecksCounter checks are not the same as cashier’s checks, which are also checks that your bank prints on demand. Cashier’s checks are for “cleared” or guaranteed funds, and they have payee information printed on them. Counter checks are not for guaranteed payments, and the payee information must be filled in. Frequently Asked Questions (FAQs)How much does a counter check cost?Fees vary, but you can expect to pay a few dollars for counter checks. For example, Chase charges $2 per page of three checks. What is the fastest way to get checks?Counter checks may be the fastest way for you to get checks. If you have the proper type of printer and paper, you may be able to print them from home. If you don't live near a bank branch, local printing companies can also help. Can I print out a check from my bank?Printing your own business or personal checks is perfectly legal in the US, and no laws are prohibiting you from doing so. However, there are certain standards that printed checks need to meet. Although these aren't required by law, banks generally insist on them.
Can the bank print me a single check?If you need just one or two checks in a hurry, ask a teller for counter checks. Banks may supply a few of these emergency checks at no charge — though some, like Chase, now charge $3 for a sheet of three. Check online for discounts.
Who can print out a check?Your place of work. A local public library. An office supply or print shop (e.g. Staples, Office Depot, FedEx Office, etc.)
Can I print my own checks at home?You can print your own checks with almost any printer: inkjet, laserjet, even offset printers. Some check printers have special features that boost the security of your checks, like watermarks and even thermochromatic ink—but you can use any basic home-office printer, too.
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