Without a blank or fillable blank check template, you must make your own. This takes time and a good amount of creativity. With templates, things are better and easier. You can also use different types of check writing software that offer templates for you to choose from. Using a template can even streamline the whole process of writing and printing checks in a good way.
Why do you need a check template?
Understandably, checks are an essential tool for major dealings. You use it to pay for insurance premiums, provide payments to suppliers or pay for a really big and hearty meal in a first-class restaurant. These are just some of the reasons why you need a sufficient supply of checks on-hand.
But there could be instances when you’re down to your last check and you need to pay for something. In such a case, look no further than a check template. Blank check templates can really be helpful too, especially when the banks aren’t open and you need to sign a check at that moment. These days, people don’t really keep substantial amounts of money at home or on their person for paying obligations.
Therefore, having a blank check is the best option. To simplify the process, you can download a blank or personal check template with word options. These are readily available for printing so you can use them as a temporary substitute until you get a fresh supply of new checkbooks.
These blank checks can have other purposes too. You can even use a fake check template to play pranks on other people using them. You can also use these to teach your kids about checks and how to use them. There are also oversized check templates which are ideal when making presentations in charity events.
Blank check generators can produce pre-structured check formats with ready-made sections for the required information. Moreover, you can easily edit these checks with your own specific information to generate checks for whatever reason you have. Such check generators make life easier as you won’t have to create the entire blank check template yourself.
Types of checks
Like any other checks, blank checks come from banks. Clients receive these unique checks that give them easy access to disperse cash to the bank or persons they will deal with. Each check bears a unique bank and trace number. You can even choose your own check register from the available personal check template.
Of course, this depends upon the bank’s name, designs, type of account, and other important features. Here are a few types of fillable blank check template you can use:
- Payroll check
This is a ready-to-print check designed for the issuance of presentable and professional checks. As per requirements, you will need to provide information on blank spaces. This is usually utilized by companies for payroll purposes.
- Business check
Designed to have a professional appearance, this business check comes in handy when used for business and professional transactions. They usually have sleek designs with a formal look to easily catch the attention of anyone who gets such a check.
- Bank deposit check
This is a completely customized check template used for depositing cash in your account. It’s a ready-to-print template that you can use after you make the necessary alterations.
- Dollar check
The design of this template is very elegant and it provides an accurate representation of standard checks issued by the majority of banks. You can easily download this check then use it for various monetary transactions.
- Donation check
Those who don’t have the necessary knowledge of designing software or general familiarity with checks can have a hard time creating a blank template on your own. But for those who do, there should be no problem. For this template, you would use it to make or receive donations.
One important thing to remember when creating a check is that you should never try replicating the logo and name of the bank on your template. This would create a fake check template, an act punishable by law. Only banks have the sole authority to design official checks with their name and logo. Just use downloadable templates to make checks for your own personal use.
Although creating these blank checks can be very complicated, it nevertheless can be an exciting way to learn about the “dos and don’ts” about checks. Presently, there is only a small number of people who use checks for banking transactions. For this reason, using templates can be an excellent way to spread awareness about banking issues among citizens.
Tips for using blank check templates
You first need to choose the fillable blank check template. Then you can fill in the details. You only have to print this out to get your own personal check. If you choose, you can also edit parts of the template’s design to make it look more original and make the perfect template you always wanted to have.
Try using the free blank templates so that you can make your own collection of blank checks or opt for specially designed checks just for the sake of having fun. You can even use them for other purposes. The same templates can also be very useful to make designs that almost look like real checks complete with pertinent data.
Often, people can’t distinguish between real and fake check templates. Consider these tips to help you use blank checks more carefully:
- If you intend to use check templates for any business transactions, make sure to have the template approved for legal use first.
- You can use oversized templates for charity purposes or to give as an award for one of your events.
- If you’re looking to add special effects with your blank check, there is a variety of blank templates you can choose from to use for pranks or if you need a checkbook for period drama.
- You can use a specialized template for children if you intend to use it to teach them about banking processes. These templates have simple layouts and big fonts. Just make sure they aren’t meant for official use.
- You only need one template to generate as many check templates as you want or need.
- Always fill up checks with clear and legible writing.
- Use a high-quality opaque envelope when sending your blank check by post so that the contents will remain hidden.
- Make sure that your bank account contains enough funds before signing your check and sending it.
- Make sure to keep any blank checks or templates in a safe and secure place.
On the other hand, here are a few things you shouldn’t do when making or using check templates:
- There’s nothing wrong with generating blank checks from templates. Just make sure that when you use one, write the amount to pay right away.
- Never fold or pin your checks.
- Never write under the MICR field of your checks.
Steps for writing a check
Although the use of checks has become less common, they still are being widely used despite the digital world. For one, paper checks are both inexpensive and effective tools for monetary transactions although not many of us write checks every day anymore. Writing checks is still easy.
You can fill in the required information in a matter of minutes. Just make sure that the finished product includes all of the vital information needed. Here are the steps for you to follow:
- Current date
Write this at the top-right part. Use the current date as it helps you and the check’s recipient to keep accurate records. Although you can use postdates sometimes, they don’t always work the way you intended them to be.
- Name of the payee
This refers to the entity you will give the payment to. If you aren’t sure about who you would make the check out to, ask. You need to ensure the accuracy of this information.
- Numeric amount
Write the exact amount of your payment in the small box provided on the right-hand part. Start writing this amount far over to the left so all the words will fit.
- Worded amount
You need this to avoid confusion and fraud. This will also be the official amount you will pay. Should there be a discrepancy between the numeric amount and the amount in words, the amount in words will legally be the amount of your check. It’s recommended to use all capital letters as these are much harder to change.
Affix your signature legibly on the provided line at the bottom-right part of the check. Use the same signature and name as the one on your bank’s file. This is an important requirement to ensure validity.
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