Where To Buy Checks: Avoid Your Bank To Save Money

Last updated Feb. 8, 2025 by Charles Zemub

In today’s digital age, with online payments and mobile banking on the rise, the use of checks may seem antiquated to some. However, checks remain a vital financial tool, particularly for small businesses, event payments, and senior citizens who are more accustomed to this traditional payment method. While banks and credit unions are conventional sources for purchasing checks, they are often not the most economical choice. In fact, there are several cost-effective alternatives available for buying checks that can help you save money without compromising on quality or security. Let’s explore the different avenues for purchasing checks outside of your bank and break down why these alternatives may be beneficial to you.

The Conventional Approach: Buying Checks from Banks

Buying checks from your bank is the most straightforward method. Your bank provides check printing services that are often integrated into your account setup. However, the convenience comes with a cost. Banks typically charge a premium for the checks they sell, largely due to the overhead expenses that come with operating a brick-and-mortar institution. You might end up paying more for basic checks that offer few customization options. If you want to save money on checks, banks are usually not the best option.

Why Avoid Buying Checks from Your Bank?

1. Cost Factor: Banks charge more for checks because they add markup prices. This markup is where a significant part of the cost comes from, even though the actual printing of the checks doesn’t necessarily warrant such a high price.

2. Limited Personalization: Banks often offer limited designs and customization options. If you want your checks to reflect your business brand or personal taste, buying from your bank might not be ideal.

3. Basic Features: The checks from banks often come with basic security and design features. If you are in need of more advanced or detailed options, looking outside the bank is advisable.

4. Convenience Fees: Banks sometimes apply additional fees for convenience, such as mailing fees, which can further inflate the spending amount.

Alternatives to Buying Checks from Your Bank

1. Online Check Printing Services

   • Cost Efficiency: Online check printing services offer a competitive edge in terms of pricing. Companies like Vistaprint, Deluxe, and Checks Unlimited provide checks at a fraction of the cost charged by banks. You have access to significant discounts, especially when buying in bulk.

   • Customization Options: These platforms offer a wide variety of templates and design options, allowing you to personalize your checks with company logos, special fonts, or specific design elements that align with your brand image.

   • Enhanced Security: Online check manufacturers often incorporate advanced security features such as watermarks, micro-printing, and fraud protection, providing greater peace of mind.

2. Warehouse Clubs

   • Membership Benefits: Warehouse clubs like Costco and Sam’s Club offer their members exclusive deals on checks. Membership can often mean up to 50% off on your check purchase compared to bank prices.

   • Bulk Purchasing: These clubs enable purchasing in bulk, providing even further discounts which are ideal for small businesses that need a higher quantity of checks.

3. Local Printers

   • Supporting Local Business: By opting to buy checks from local printing businesses, you not only save money but also support your local economy.

   • Customization and Quality Service: Local printers can offer personalized service, with the flexibility to include custom designs, and may also be more accommodating to special requests compared to larger corporations.

4. Specialized Printing Companies

   • Tailored Service: Companies specializing in business supplies and printing often offer specialized services for checks, providing extensive design choices and dynamic features.

   • Dependability and Support: With customer service often being a highlight, these companies can ensure a smooth transaction and assist with any problems or custom requests.

Steps to Ensure Secure and Cost-effective Check Purchases

• Compare Prices: Always shop around. Comparing prices across several suppliers helps in selecting a service that provides both value for money and quality.

• Check Reviews: Read customer reviews and ratings about the suppliers you consider to gauge reliability and satisfaction levels amongst former clients.

• Verify Security Features: Ensure that the checks you’re buying come with essential security features, like watermarks and security holograms, to prevent fraud and protect your finances.

• Order in Bulk: Purchasing checks in larger volumes can lead to significant discounts. Evaluate your needs, and whenever feasible, order in bulk to save even more.

• Promotional Discounts: Keep an eye out for promotional discounts and special offers that might be available for first-time customers or during specific time periods.

• Memberships and Subscriptions: Utilize memberships from clubs or corporations that offer their members discounts on checks.

Conclusion

While buying checks from a bank is convenient, there are numerous other options available that offer both cost savings and customization features. From online platforms to local printers, each alternative has its own set of benefits that can cater to your specific needs and preferences. By carefully exploring these options, you can enjoy the utility of checks without overspending.

FAQs

Q1: Are checks from alternative sources as secure as those from banks?

• A1: Yes, checks from reputable online printers and specialized companies typically incorporate advanced security features like watermarks and micro-printing, making them as secure as bank-issued checks.

Q2: Can I get the same design options outside of my bank?

• A2: In fact, alternative sources often offer more extensive customization options than banks, allowing you to personalize checks with logos, designs, and fonts tailored to your preferences.

Q3: How much can I save by buying checks outside of the bank?

• A3: You can often save 50% or more on check purchases by choosing alternative methods, particularly when buying in bulk or leveraging membership discounts from warehouse clubs.

Q4: Is it difficult to set up an order with these alternative check providers?

• A4: No, most online services have user-friendly interfaces that guide you through the setup process, and local printers offer personalized assistance to ensure your needs are met.

Q5: What should I look out for when selecting a check printing service?

• A5: Ensure the provider has positive reviews, offers necessary security features, provides clear pricing and binds no hidden fees, and has reliable customer service support in case of questions or issues.