How to Make Checks

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You can save time and money by making checks at home with the use of a home printer. Checks need not be printed by a bank or other third party to be legal. With magnetic ink, check stock paper, check-creation software and your home printer, you can produce your own checks within minutes. Prices for check-making software range from $29.95 to $99.99.

Things You'll Need

  • Blank check stock paper
  • Magnetic Ink Character Recognition (MICR) ink
  • Check-creation software

Purchase blank check stock paper. Check paper can be purchased from many online and offline retail office supply stores.

Purchase magnetic ink character recognition (MICR) ink, which is available from many online and offline retail office supply stores. Magnetic ink allows the check to be read and processed automatically via a reader. If you do not use magnetic ink, you run the risk of delays and fees charged because the check will have to be manually processed.

Purchase check-creation software. Some of the more popular check-making software includes VersaCheck, CheckSoft, Quicken, and InstiCheck. Money management programs such as Quicken will require check stock paper made specifically for the software.

Create a new account in the check creation software. Enter the name and address of the account owner as well as the bank name and address. Input the routing and account numbers. The routing number is a 9-digit number located at the bottom left of the check between the transit symbols (|:) . The account bank number will be located just to the right of the routing number. This line of numbers is known as the MICR. Enter a check starting number (this is the number that appears at the top right of the check).

Print a test of your check. Verify and proof your check info for any mistakes. Once you are satisfied with the check, insert blank check stock paper and begin making your checks.

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