In the old days, check writing was done by hand. Today, there's a digital solution for everything and, when it comes to making prompt payments via check, that solution is check writing software. These programs aren't just used by the payroll departments of large enterprises. They can be useful for small businesses, bookkeepers, accountants, and even individuals who don't have physical checks handy.
We reviewed dozens of companies offering either cloud-based or software solutions for check writing. These are the very best check printing software programs in terms of overall reputation, key features offered, and price—the top criteria considered by those shopping for check writing software.
The 5 Best Check Printing Software of 2020
Best Overall: Online Check Writer
If you're looking for a check writing program that will scale up or down with your needs, work on both Windows and Mac devices, offer options for creating and sending digital checks and mailing physical ones, then Online Check Writer will "check" all of your boxes. From the company's free individual plan to small business and enterprise offerings, it caters to nearly all types of individuals and companies that may need to print checks. And it's a company that over 100,000 customers have trusted to send more than $2 billion in payments.
Offers a free, 15-day trial with no credit card or payment setup
Has issued over four million checks for over 100,000 customers, including local and federal government agencies
Offers a range of plans for individuals, small businesses, and enterprises
Can be used on Windows and Mac devices
Because it offers a subscription plan, over time the cost of a recurring subscription may cost more than one-time software purchases
Founded in 2008, Online Check Writer is financially backed by Bank of America and has over 100,000 customers—including local and federal government agencies, corporations, and small businesses. Having issued over four million checks totaling more than $2 billion dollars in transactions, the company offers check printing software that integrates with over 1,800 banks and QuickBooks accounting software. According to third-party feedback from Trustpilot, the company has earned a 4.7-star rating based on more than 900 reviews. Prospective customers can try the service for free for 15 days without a credit card or required payment setup. All of this, combined with its outstanding features, make it our top pick among check writing software.
As a web-based service, the company offers both paperless digital checks and physical checks that can be printed on blank stock paper or pre-printed checks. In addition, customers can use the service to accept payments over the phone, email, fax, and more. The company offers several different plans; the first being its free limited access plan that allows customers to create five checks per month with one bank account integration. The standard plan is available for $199.99 per year and allows integrations with 10 bank accounts, unlimited checks, printing multiple checks at a time, and importing data from Excel. The most expensive plan is the $499.99 a month enterprise solution that includes white label services and physical check mailing.
As an optional add-on, the company offers a service to mail checks for customers—for a total of $0.75 per check, covering the cost of the stamp, check paper, and envelope.
Best for Home Use: Checkbook
If you ever find yourself at home without a checkbook on hand but need to make a payment by check, then Checkbook may be the best option for you. That's because it offers a starter plan with no upfront costs and you only pay for the exact number of checks you send, making this plan an ideal choice for infrequent, low-volume senders (like individuals and solo entrepreneurs). Plus, you can try out the free demo before paying to use the service.
There are no upfront costs; customers only pay for the checks they send
The company offers a free demo environment, allowing potential customers to try this web-based service before committing to using it
There are default spending limits per transaction, day, and month
The convenience of printing and sending checks does come at a premium—$1.00 per digital check and $1.49 per mailed check through this service—compared to the costs of traditional checks
Founded in 2015, Checkbook offers a unique "pay as you go" pricing model for businesses and individuals looking to send digital checks or print and mail physical ones, with volume-based pricing available for enterprise clients. The cost of the "pay as you go" pricing starts at just $1.00 per digital check and $1.49 per mailed check, making this perfect for home use with lower volume needs. Because the company handles the printing and the mailing, there's no need to invest in check paper, a printer, or ink. Digital checks sent using the platform are delivered via email, and the recipient has the option to deposit it online or print it for in-person or mobile deposits.
The company offers integrations with QuickBooks and other accounting platforms and gives users the ability to send direct deposits, set up scheduled payments, and deploy multiple checks at once via a CSV file. This flexibility, plus "pay as you go" pricing and free starter plan, is why Checkbook is best for home use in our review.
One drawback is the company's default sending limits. There's a maximum of $2,000 per transaction, $2,000 per 24-hour period, and $15,000 per month, all of which require being overridden by the company's support team.
Best for Small Business: Checkeeper
For smaller businesses that don't have the time or resources to invest in setting up an elaborate check printing configuration, Checkeeper eliminates many of the added items companies often wrestle with. This includes buying special printer paper and ink or learning how to use an advanced check writing software program.
Offers a free trial with no credit card required
Integrates with QuickBooks, FreshBooks, Xero, and other programs
Checkeeper has over 115,000 customers including companies, bookkeepers, and individuals who have printed over $3.3 billion in checks using the platform
No check stock paper or special ink required
Because it offers a subscription plan, over time the cost of a recurring subscription may be more than a one-time software purchase
Founded by a small business owner who was tired of using Photoshop to create checks for his company, Checkeeper is a web-based check writing program that offers one simple pricing structure with unlimited access. At $14.99 per month, customers can print as many checks as desired on either check stock or blank paper. This software is designed for a busy small business owner who can't be bogged down with complicated system setups, making this our top pick for small businesses.
The company offers a selection that customers can edit and customize as needed. The company integrates with QuickBooks Online, FreshBooks, Xero, and other accounting applications. For an optional fee of $1.25 per check, the company will also take on the task of mailing checks for customers. Additional features include batch printing (printing multiple checks at once) and encryption that meets several key standards, including HIPAA compliance, PCI compliance, and SOC II compliance (regulatory guidelines set forth by the American Institute of CPAs).
In addition to a free 14-day trial with no credit card required, Checkeeper offers a 30-day guarantee for customers to try out the program and get a full refund if not satisfied. Unlike other web-based and software programs, Checkeeper does not require customers to use check stock paper, while still meeting national banking standards. This means that with Checkeeper you won't need special check printing ink or a special printer.
Best for Macs: CheckBuilderPro
When you own a Mac, you want software that you know will work with your operating system. CheckBuilderPro was the first check writing software designed specifically for Mac users. Now, more than a decade since its release, it's the number one seller for both Mac and Windows devices. And its latest version is formatted to meet Apple's newest requirement of being updated for 64-bit processors.
This is a number one seller for Macintosh and Windows check printing software
The company offers a free demo available for Mac and Windows devices
Compatible with U.S. banks only
Tech support is only available via an online form, not over the phone
A number one seller for Macintosh and Windows check printing software, CheckBuilderPro was first created in 2010 by software company Knappster Solutions. The founders were Mac users and didn't want to have to use a Windows device simply to print checks. Seeing the need for a Mac-compatible check printing software, they hoped someone would create such a product. They eventually decided to create it in house, making a product that seamlessly integrates into iOS requirements, and making it our top pick for Macs in this review.
Customers can test out the software before buying it with the company's free demo that is available for Mac and Windows devices. This means you can go through the process of creating checks and see for yourself whether this is the best option before committing to paying for the software. Blank checks can be created and integrated with accounting software such as QuickBooks or printed directly through the CheckBuilderPro program.
Available for a one-time purchase of $39.95, CheckBuilderPro can be used to make business checks, personal checks, and deposit slips using any brand of check paper. Checks can be customized with your company's logos, signatures, and fonts. The system will also store data so checks can be created in as little as one click. Other features include bank statement reconciliation, custom reports, transaction tracking, and batch printing.
Best for Windows: Print Checks Pro
This is the best in our review for Windows users because it offers mobile apps for customers looking to manage printing needs from their Windows-compatible phones, doesn't require special printer ink, and can be used with any standard printer.
Works with standard ink-jet ink (no magnetic ink required)
Available for Windows, iOS, and Android devices and rated among the top five finance apps in both the Apple App Store and Windows Store
Offers email and phone support
If you purchase the software for your computer and do not have a CD/DVD drive on your computer, you will need to download the software separately from the web
This is one of the few companies that offers mobile and desktop compatible software. Print Checks Pro can be used on Windows, iOS, and Android devices with software available for a one-time purchase starting at $19.95. The program's checks can be printed on your bank's personal checks, blank check stock paper, or pre-printed check paper. With this flexibility and a simple interface, Print Checks Pro is perfect for any Windows-based computer, tablet, and printer.
Customers can set up unlimited accounts and customize the checks using the business logo, bank logo, and signatures. Second copies of checks can be printed automatically for personal or business records. For those using the program across multiple devices, the database can be shared between desktop and mobile versions of the software. You can print three checks per page or a single check per page, as needed.
The software doesn't require special ink (it's compatible with your printer's standard ink) and can be used with any type of printer. The company offers both email and phone call support.
How Does Check Printing Software Work?
Check printing software allows individuals and companies to create, print, and mail physical checks or send digital checks without requiring a traditional checkbook or pre-printed checks from the bank. Many programs include other accounting or bookkeeping features such as invoicing, accepting payments, or check mailing services.
Can I Write a Check Online?
Many online banking systems allow customers to skip writing checks by hand and mailing them with an online option known as electronic checks or e-checks, a type of payment conducted over the internet as an alternative to conventional checks. This is how many employers are able to pay their team members via direct deposit. To make an online check payment, you'll need your routing number, checking account number, and the name associated with your account.
Can I Print Checks on Regular Paper?
Printing your own checks typically requires check stock paper (available at office supply stores or online) that is generally used with most printers and check printing software. This paper usually costs more than regular printer paper. Not all software requires this, however, so be sure to verify the software's paper requirements if the ability to use regular paper is important to you.
How Much Does Check Printing Software Cost?
Depending on the check printing program you select, prices range anywhere from free to $19.95 per software download to hundreds of dollars per month for enterprise-level services. By contrast, it can cost about $8.50 for a box of 150 checks, or about six cents per check. If the checks will be printed instead of sent electronically, another expense to factor in is the cost of check paper, which costs about $12 per pack of one hundred pages, or about 12 cents per sheet of paper.
How We Chose Check Printing Software
Check printing software can be a lifesaver for individuals who need to make a check payment and don't have any spare checks on hand as well as for solopreneurs, entrepreneurs, startups, mom and pop shops, and the finance teams of major corporations. Some customers prefer cloud-based solutions that can be easily accessed across devices, while others prefer software compatible with either Windows devices or Macs.
We took all of these needs into consideration when reviewing dozens of check writing software options. In the end, we chose the best programs based on company history and credibility, check writing features available, and software price.
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