If you want to print your own checks, the first thing you need is the right paper. That paper is called blank check stock. This guide explains what it is, the different types, what to look for, and how to print on it.
What is blank check stock?
Blank check stock is special paper made for printing checks. It looks like a check with nothing filled in: no bank name, no account number, no check number. Your check printing software prints all of that onto the paper for you.
It is different from regular printer paper because it is usually:
- heavier, so the check feels like a real check
- printed with a security background, like a colored pattern
- made with anti-fraud features, such as microprinting or a "void" mark that shows up on copies
- perforated, so you can tear the check away cleanly
Important: Do not print checks on plain printer paper. Use blank check stock, and ask your bank if it has any paper requirements.
Blank check stock vs pre-printed checks
Pre-printed checks come from your bank or a check company with your bank details already on them. Each box works for one bank account only.
Blank check stock has no bank details. One pack can work for all your bank accounts, because the software prints the right bank details on each check. That's handy if you have a personal account and a business account, or several business accounts.
Types of blank check stock
Check on top (1 per page)
The check is at the top of a Letter-size sheet, with two stubs (also called vouchers) below it. This is the most common type for small businesses. The stubs give you room for a record of the payment.
Check in the middle or on the bottom
Same idea, but the check sits in the middle or at the bottom of the sheet. Some accounting programs use these layouts.
3 checks per page
Three checks on one sheet, with no stubs. This is good for printing many checks quickly, and it looks like a classic business checkbook.
Which should you buy? If you are not sure, start with check on top. It is the most common, and it fits standard double-window check envelopes.
What to look for when buying
1. The layout matches your software
Make sure your software supports the layout. Check Snapper supports 1 check with 2 stubs, or 3 checks per page, and you can choose whether the check is at the top, middle or bottom of the page.
2. Security features
Good check stock has several security features. Common ones are:
- Microprinting: tiny text that looks like a line and blurs when copied
- Void pantograph: the word VOID appears when the check is photocopied
- Chemical protection: the paper stains if someone tries to wash off the ink
- Security screen on the back, and a padlock icon that explains the features
More features usually means more protection against fraud.
3. Paper weight
Many check stocks are 24 lb paper (like the one on our Supplies page), a little heavier than normal copy paper. Make sure your printer can feed it. A "Thick paper" setting helps.
4. Compatible with your printer
Most check stock is made for laser printers, and many types also work with inkjets. Read the product details.
5. Envelopes that fit
If you mail checks, buy double-window check envelopes. The payee's address and your return address show through the windows, so there is nothing to write by hand. For check-on-top stock, #8 double-window check envelopes are a common choice.
Where to buy blank check stock
You can buy blank check stock from office supply stores and online sellers. To make it easy, our Supplies page lists blank check stock that fits Check Snapper's layout:
- 1 check per sheet (check on top)
- 3 checks per page
- #8 double-window check envelopes
These are sold and shipped by Amazon, not by Check Snapper.
How to print on blank check stock
- Load the stock in your printer the right way. Do a test with plain paper first to see which side the printer prints on and which edge goes in first.
- Print a test on plain paper and hold it over a sheet of check stock to see if everything lines up.
- Set the print dialog to Actual size / 100%. Turn off "fit to page".
- Use MICR toner if you can. It is recommended for the bank numbers at the bottom. See Do you need MICR toner?
- Print one check and check it before printing a big batch.
If the print is a little off, see how to fix check printing alignment.
How Check Snapper uses blank check stock
With Check Snapper you print complete checks on blank check stock: bank details, the MICR bank line and your signature are all printed for you. There are no pre-printed checks to order.
- Write Check: pick the bank account, payee, amount and date, then print.
- Blank Checks: print full checks with your bank details and check number, but leave the payee, amount and signature empty to fill in by hand.
- Bulk Checks: create many checks in one run on supported paid plans.
- Several bank accounts: one pack of stock works for all of them.
New to this? Start with can I print my own checks? or see business checks with your logo.
The bottom line
Blank check stock is the paper you need to print your own checks. For most people, a check-on-top sheet with good security features, a laser printer and MICR toner is the simplest setup. One pack works for every bank account you have.
Start free at CheckSnapper.com.