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Despite the tendency to pay for many things digitally, personal checks are still a part of today's financial transactions. From babysitters who aren't old enough to accept payment via PayPal to merchants who give discounts for paying by check, the number of places that personal checks come in handy has stayed consistent over the years.
Most people are also aware that buying personal checks directly from the bank or credit union is not only boring but also more expensive. If you want personal checks that reflect your personal style - featuring your favorite sports team, your alma mater, or even customized with photos of your pet or grandkids - or you simply want to save money, getting your checks from a reputable online company is the way to go.
Sunday, September 19th
Check Advantage makes it easy and affordable to order the best personal checks and plenty of related accessories, from stamps to envelopes and more.
You can start searching for your own personal check look either by browsing "All Checks", or by selecting a category that interests you. Some of these categories include:
We found plenty of eye-catching designs to choose from. Some of the most popular are Sakura Print and Day of the Dead, but they also have more traditional patterns like Blue Safety.
From a business perspective, Check Advantage has an excellent reputation. As an accredited business with the Better Business Bureau, they constantly maintain an "A+" rating. We also found over a thousand customer reviews with almost every rating as 4 or 5 stars.
You'll definitely find prices that are among the lowest at Check Advantage. Although they may look higher at first glance, you actually get more checks in each box, which brings your cost-per-check down. For example, you get 150 personal checks vs the standard 120, and 120 checks vs the standard 100. This is a detail that most shoppers will probably miss, but can actually save you a lot of money.
In addition, while Check Advantage has the free, non-trackable shipping option that most companies offer, CheckAdvantage goes one step further. They also provide a low-priced trackable option starting at $3.95. And, you won't pay any extra processing or handling fees, saving you even more money, compared with most other companies offering personal checks.
The ordering and checkout process is smooth and easy to follow. Check Advantage also provides plenty of options for extras, like coordinating address labels and checkbook covers, to give you a complete personal check shopping experience.
From start to finish, our time spent reviewing Check Advantage was flawless. Along with glowing reviews from so many previous customers, it's obvious that this is an excellent choice for buying personal checks. Check Advantage is our top choice among the many competitors for the best personal checks.
For nearly 15 years, Carousel Checks has been providing personal checks to thousands of happy customers. Their selection is excellent, including the possibility of adding your own photos to make a truly personalized design, along with hundreds of other pre-made patterns, images, and colors.
If you're looking for the lowest cost, click on the Value Checks link. There, you'll find basic green, blue, and pink checks with a simple design and no frills. These start at $7.99 for a box of 125 singles or $10.99 for a box of 100 duplicate checks. Want something a little more interesting? Your options run the gamut, from Animal and Wildlife to Inspirational, Careers, Fun and Games, and much more.
But, if you want a check that absolutely no one else has, you'll want the Custom Photo Checks section. You can upload the image of your choice: your wedding photo, your four-legged friend, or your favorite vacation spot. (No trademarked or copyrighted images will be accepted.) Up to 24 images can be uploaded; just be aware that you'll have to pay an extra $5 for each one you add beyond the first image. Custom Photo Checks start at $21.99 for a box of singles and $24.99 for duplicates; you can save up to 37% if you order up to 4 boxes at a time.
With most orders, the following is included:
If you can wait awhile, you can get your personal checks shipped for free via Bulk Mail. But, if you need your order sooner, you can pay for faster delivery, ranging from $5.99 for Basic Mail to $18.89 for 2-Day or $45.14 for Overnight. These rates are for up to two boxes of checks; a 4-box order will cost slightly more for those expedited options.
One bit of fine print where some of Carousel's competition may get you: Carousel's low prices are for every order, not just for a first-order promotional price. You'll pay the same price with Carousel Checks, whether it's your first order or your tenth; there's no extra charge on reorders. This makes Carousel Checks a better deal than some other companies selling personal checks.
Carousel Checks enjoys a solid reputation, good pricing, and a great variety of options for your personal checks.
Walmart has it all - even when it comes to personal checks. But, just like you might get overwhelmed by shopping at their brick-and-mortar stores, you could be initially overwhelmed when navigating the Walmart Checks site.
Finding the personal checks you want at Walmart is a little less intuitive than some of the companies we reviewed. On the main page, you can see several categories, not listed in any particular order: Feminine Design, Cause-Related, Dog Breed, and Character Checks were a few of the possibilities. Once you've selected a category, you can scroll through to see the available options - but again, there wasn't an easy way to sort them (such as alphabetically, by popularity, and so on).
It may be worth it to you to slog through the search process, though: Walmart's "everyday low prices" apply to their designer checks very nicely. Whether you're selecting Marvel Avengers, Disney Princesses, or even supporting the San Diego Zoo, you'll pay an incredibly low $7.46 for 150 single checks or $8.46 for 150 duplicates. No other site we found could even come close to those prices.
Walmart is one of a handful of personal check providers that allows you to upload images to truly personalize your order. There are two options: Photo Checks and Paper People Checks. For Photo Checks, you can upload one image; 150 single checks sells for $15.46, and 150 duplicates for $17.46. With the Paper People option, instead of uploading a photo, you'll select from several stick figure characters that you'd like to add (up to a total of 5); these include Mom lady, Gym lady, Work man, Chef man, and so forth. These sell for slightly more: $18.46 for a pack of 100 singles or $24.96 for 100 duplicates.
Oddly, Walmart might not include a transaction register with your personal checks. We found mention of one being included with check orders, but it wasn't consistent across the site. If you keep track of your checking account manually (instead of using software or online sites like Mint), you may want to add a register to your order for $3.46.
Shipping costs for personal checks from Walmart are average: free non-trackable mail, trackable for $6.25, and second-day or overnight for an extra charge. There are no processing fees with your order, putting Walmart slightly above some of their competitors.
At the end of the day, Walmart is an excellent choice for affordable personal checks in a nice variety of designs. You just may need to put in a little extra work to find what you want, but the savings makes it well worth your time.
You may be surprised to hear that you can get personal checks at the Bradford Exchange, a company better-known for selling gifts and collectibles such as dolls and artwork.
Bradford Exchange impressed us with its noteworthy selection of personal checks: more than 700 designs to choose from. These options were easy to shop, using the categories on the left; these included fun choices like Entertainment and Celebrities to more serious ones like Charity/Support Causes, Patriotic, and Religious.
Pricing with Bradford Exchange is also very competitive. On a basic Green Safety Check, you'll pay $6.99 for 100 singles and $8.49 for 100 duplicates. This company offers a perk that we didn't see with other personal check companies: free upgraded fonts. So, if you like an Olde English script or an all-caps Grand, you can add that at no extra charge.
Shipping options and costs are standard within the industry: free standard shipping that isn't trackable, or $8.95 for secure shipping. We did find that Bradford Exchange includes in-plant rush production at no extra charge with this latter option; most of their competitors charge extra for that feature. Expect a Service & Handling fee of $2.95 on all orders, regardless of shipping speed.
Other than the fact that personal checks seem to be a big departure from what the Bradford Exchange is commonly known for, this company does a good job in providing a wide array of well-priced options. And, if you need extras like labels, stamps, or even necklaces and gifts, you'll be able to make it a one-stop shop. Bradford Exchange personal checks are a good choice.
Checks on Sale is very straightforward: get personal checks at deeply discounted prices compared with what you'd pay if you went to your financial institution to buy them.
As one of the Carousel Checks family of brands, it's no surprise that you'll find similar options with Checks on Sale: same pricing on all orders (no "first time promotional prices" that increase dramatically on reorders), free shipping via bulk mail along with paid options for faster shipping, and roughly the same number of checks per box / deposit tickets / transaction registers.
But, you will save money at Checks on Sale: the same value checks we found on the Carousel site sell for $1 less per box: $6.99 for a box of 125 single checks, or $9.99 for a box of 100 duplicates. If you find a pre-made design on the Carousel site that you like, be sure to check this site first before placing your order, since most of the check designs can be found in both companies' inventories.
On the other hand, Checks on Sale has fewer design options than their sister site - although nearly 600 designs to choose from is still pretty impressive. However, you won't find the ability to upload your own images to make a personalized check, so if that's important to you, you'll need to stick with the Carousel site or one of the other personal check companies in our review.
Checks on Sale enjoys a solid reputation: an "A+" rating with the Better Business Bureau at the time of our review, and many comments from customers who were pleased to get the design they wanted at a small savings over other sites.
Although Checks Superstore isn't a household name, their parent company (Harland Clarke) has been in business since 1922. And, with an A+ rating at the Better Business Bureau specifically awarded to Checks Superstore, you can rest assured that this personal checks company "checks out"!
Right when we got to the site, we got a big pop-up asking if we wanted to "unlock exclusive offers". How do we know if we want them if we haven't even gotten to see what you have yet? We were not inclined to give them our email address without checking out (no pun intended) the overall company, reputation aside. Once we got to the main page for personal checks, we got another offer of a 10% discount on our first purchase (again, if we gave them our email). We like saving money as much as the next guy, but the pop-ups were a little much.
From there, we had to decide if we wanted to see Designer Checks, Inexpensive Checks, Discount Checks, or Checks by Themes. There was an option for "View All Checks At Once", but since that page didn't let us sort by price, popularity, or any other meaningful criteria, there wasn't much point. In total, there are just over 400 design options to choose from.
In order to compare apples to apples, we looked at the basic Green Safety Checks offered by most, if not all, companies offering personal checks. Checks Superstore had pricing/packaging options that were a little different, so make sure you know what you're getting: their default setting made it look like a great deal, $2.99 for singles and $3.99 for duplicates. But, those options are only half-box orders, where most companies' smallest order is a full box of 100 or 120. This might be a feature, not a bug, so to speak, if you only use checks once in a while and would be really happy to not have to pay for a bigger box.
You should also expect a processing fee on your order that won't show up until the Shipping Details page; ours was $2.95. Like most personal check companies, you can get free standard, non-trackable shipping; trackable shipping is $5.95, or you can pay extra to get second-day or overnight shipping once your order is ready.
Our overall impression of Checks Superstore was quirky: pricing options were different, the site itself felt all over the place, but in the end they have a good reputation and their selection of personal checks is decent and affordable.
For over a century, Deluxe Checks has been the go-to brand for most banks' check-printing needs. Some customers feel that such a reputation brings peace of mind when ordering their personal checks.
But, what does it cost to get that kind of name-brand reassurance? First, you won't even be able to see Deluxe's pricing unless you enter your bank routing and account numbers. That's definitely going to be off-putting to customers who want such basic information without having to give away their banking details. You can browse their designs without it, but in order to see what it'll cost, you'll have to give them those two account numbers (or enter the correct routing number and zip code but a pretend account number, just to see the pricing).
Shipping is also much more expensive with Deluxe. You'll find that their order page defaults to 4-day Express Shipping for a whopping $26.99 on a single box of checks. You can see more shipping options by clicking on the dropdown box; the lowest-priced option is $6.99 via standard, untrackable bulk mail. This option is free with most of Deluxe's competitors.
We also weren't overly impressed by the Deluxe website. Besides having to enter our banking information to see pricing, the site doesn't make it easy to get to what you're looking for. There are fewer designs than most companies selling personal checks, although Deluxe does carry a few well-known brands like Disney and Harley-Davidson. We also found ads promoting winter checks, even though we visited the site just a few weeks before the start of summer.
In the end, Deluxe has a solid brand reputation, but you may find more, better-priced options with one of their competitors - and a shopping experience that doesn't require banking information just to see your pricing.
If you ever bought checks through Current, you're already familiar with Checks Unlimited - the new name for a business that has been selling personal checks since the mid-80s and that has the distinction of being the first major service offering direct-mail checks. You'll also notice when you go to the site that the URL bar includes the name "Deluxe Corporation": another well-known name in personal checks. There are several personal check companies included in this brand family: 4checks, Designer Checks, and Check Gallery, just to name a few.
You'll find more than 110 personal check designs on the Checks Unlimited website. They've got one of the best selections of popular brands, ranging from Disney Princesses and Warner Brothers to Thomas Kinkade and Peanuts. The site is easy to navigate; use the side to find categories you're looking for, or simply type the kind of check you want into the search box. You'll have to walk through several steps in the ordering process, including upgrades for premium fonts or EZShield Protection.
Pricing is higher at Checks Unlimited than some companies offering personal checks. Their most basic design starts at $18.99 for 1 box of singles and $22.99 for 1 box of duplicates. You can get discounts up to 34% if you order 4 boxes at a time, or up to 22% if you order two boxes in the same purchase.
Checks Unlimited doesn't make it clear if these prices are only available on first orders or if they apply to reorders. We did find discount offers when we clicked on the "Special Offers for Return Customers" box on the main page, but the fine print there said "offer valid on all personal check orders" - so we weren't sure if it really was an offer just for reorders of personal checks. Those discounts offered either a free 4th box or a 45% discount on 4 boxes of checks.
Shipping is free via Standard Mail, but comes with no tracking. You can upgrade to UPS Trackable for $8.95, or spend slightly more for Ground, 2-Day, or 1-Day options.
Checks Unlimited does have a solid reputation, but their prices are usually higher than other sites for the same check designs.
Checks in the Mail is another personal check company owned by Harland Clarke. You'll find many of the same offerings as Checks Superstore for that reason - and that also means that you'll be buying from a company with a reputable history spanning many decades.
When you first visit the Checks in the Mail site, you may get a pop-up offering exclusive offers if you sign up for their newsletter. That pop-up also featured a coupon code offering a discounted price of $5.49 per box of personal checks; it looked like that code could be used even if we didn't sign up with our email address. And, while we browsed the site, we got another offer to save 20%; it came with a 30-minute window for use, but the code was applied automatically and showed up at the top of the page.
You'll find a selection of over 250 designs on the checks in the Mail site. Categories include Dog Breeds, Characters, Patterns, and Classic designs, among others.
The pricing structure with this company also mirrors their sister site's: default pricing looks appealing, starting at $3.99 and $5.99, but that only represents a single pad of personal checks. If you want a traditional full box, expect to pay at least $18.99 for 100 single checks and $22.99 for duplicates.
Checks in the Mail is more expensive than Checks Superstore when it comes to shipping and processing fees - effectively eliminating any savings you might get from lower-priced personal checks. On an order of a single pad of basic Green Safety Checks, our processing fee was $3.55. Non-trackable shipping was free, as it is with most companies selling personal checks, but the lowest trackable option was $8.95.
You'll find a decent selection of personal checks at Checks in the Mail, but their pricing is just average. You'll definitely want to keep an eye on any offers for discounts that pop up as you browse the site if you choose this company for your personal checks.
As another one of the Deluxe brand family, you'll find familiar designs, options, and pricing on the Designer Checks site - as well as the trustworthiness of an A+ rated company with the Better Business Bureau.
Despite being a Deluxe company, Designer Checks carries a more limited selection: just 140 total designs to choose from. These include Classic, Disney, Warner Bros., MLB, Nature, and Animal styles.
Designer Checks does offer the ability to design your own checks with up to four personal images. You'll pay $23.95 for a box of singles and $27.95 for a box of duplicates.
There was nothing on each design's listing to tell us how many checks we'd be getting in each box. Their pricing was comparable to most of the companies we surveyed - $18.99 for 1 box of singles and $22.99 for a box of duplicates for most designs - but it makes a difference if the total number of checks is 50, 100, 120, or more.
You'll pay a handling fee of $3.45 per box of checks, not per order. Also, you can get the standard non-trackable free shipping; otherwise, your next option is $8.95 for UPS trackable, with additional fees for 2-day or 1-day delivery if you prefer.
We like that Designer Checks has a strong brand reputation, but with fewer designs and less information on their website, they don't quite keep up with the other businesses selling personal checks.
These personal check companies meet the same criteria as your own bank follows, to ensure that your transactions are accepted and that your checks are printed accurately.
As you decide which company to use for your next order of personal checks, there are several things to keep in mind. You should consider the following factors:
TopConsumerReviews.com has reviewed and ranked the best Personal Checkx available today. We hope that these reviews help you find the best personal checks for your needs!
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