What Are Personalized Checks?

What are personalized checks? When opening a checking account, your banking institution will provide you with starter checks. These starter checks have only the banks routing number and your checking account number on them.

According to Gwen Evans, banking professional with ten years of experience, "Only starter checks are not personalized". Mrs. Evans continues, "If they have your information on it, it is personalized".


When opening a checking account, your banking institution will provide you with starter checks. These starter checks have only the banks routing number and your checking account number on them. This set of starter checks is usually just enough checks to hold you until you receive your personalized checks. The bank can order for you and deduct the cost from your account. These personalized checks will contain your personal information like your name, address, phone number, bank routing number and your checking account number.




You also have the option of ordering your checks yourself. The checks you receive from the bank come from a printing company and you have the right to choose the printing company you will use. Though your bank wants your check order, due to the profit they make on your order, they cannot refuse checks you order from an outside vendor.

By ordering checks yourself, it is likely you will pay less for the checks as well as have the ability to get more personalized features. A great many companies will print your personalized checks for you. When choosing a check printer, be sure that your checks meet or exceed the American Bankers Association standards. This will ensure that your financial institution will process your checks with features like the lock icon to the right of the word "Dollars" which indicates the check contains security features to prevent and detect check fraud. Micro-Security Print will break up if someone attempts to photocopy your check. Chemical Protection and Erasure Protection produce stains or spots if someone tampers with your check and the security screen on the back of each check that will signal if a check is an "Original Document" or a reproduction. There are also secret measures that are not known to the general public to protect consumers from check fraud.

To personalize your checks, you have a great many options. In addition to your name, address and phone number, you can also add your driver's license number and social security number to your check. While this helps expedite check processing, it can lead to identity theft. Once the basics are done, you can have some real fun and add clip art, photographs, scriptures, saying, monograms, and anything else you can think of.

Personalized checks can be ordered through the mail or online. This involves an order form with pictures of checks you can chose from, as well as a few specialty options. Because of the security standards previously mentioned, this is very safe. Ordering checks online provides a lot more personalization options. When ordering online, you can secure safety by ensuring the company uses Secure Sockets Layer (SSL) technology. This way, any information you provide to a check printing company is encrypted while in transit in order to stop thieves from hacking into your personal information.

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