How To Get A Check A Step By Step Guide To Ordering And Using Personal Checks Safely

In an increasingly digital world, personal checks may seem outdated—but they remain a necessary tool for rent payments, tax filings, charitable donations, and situations where electronic transfers aren’t accepted. When used correctly, checks offer a secure and traceable method of payment. However, mismanagement or poor security practices can expose you to fraud, bounced checks, or financial loss. This comprehensive guide walks you through the process of obtaining personal checks, using them responsibly, and protecting yourself from common risks.

Why Personal Checks Still Matter

Despite the rise of mobile banking and peer-to-peer payment apps, many institutions still require paper checks. Landlords often prefer them for rent, government agencies accept them for tax payments, and some small businesses rely on checks for recordkeeping. Unlike cash, checks create a verifiable paper trail. Unlike credit cards, they don’t accrue interest or fees. For budget-conscious individuals, checks also serve as a built-in spending control mechanism—once written, the funds are committed and deducted directly from your account.

That said, checks carry unique risks. If lost or stolen, they can be forged or altered. Improper handling can lead to overdrafts or rejected payments. The key is understanding how to order, write, and store checks securely.

Step-by-Step Guide to Ordering Personal Checks

Ordering personal checks isn’t complicated, but it’s important to do so through trusted sources to avoid scams or data breaches. Follow these steps to obtain high-quality, secure checks:

1. Verify your bank’s check ordering service. Most banks offer free or low-cost checks through their online portal. Log into your account and navigate to the “Order Checks” section under services or account management.
2. Choose your check style. Decide between top-check (checks printed at the top of the page) or computer-compatible (for printing with accounting software). Select single or duplicate copies based on your need for records.
3. Customize design and information. Include your name, address, phone number, and account details. Some providers allow custom designs, but avoid flashy graphics that could raise suspicion during processing.
5. Select a reputable third-party vendor if not using your bank. Companies like Deluxe, Harland Clarke, or CheckAdvantage are established providers. Ensure the site uses HTTPS encryption and has clear privacy policies.
6. Review security features. Look for checks with watermarks, chemical-sensitive paper (reacts to erasure), and microprinting. These deter tampering and forgery.
7. Place your order and track delivery. Checks typically arrive within 7–14 business days. Sign for the package if possible, and store it in a locked location upon receipt.

Tip: Never order checks from unsolicited emails or pop-up ads—these are common phishing tactics.

How to Write a Check Safely and Correctly

A properly written check prevents errors and reduces fraud risk. Each field serves a purpose, and accuracy is essential. Here’s how to fill out a check without mistakes:

Field	Purpose	Best Practice
Date	When the check becomes valid	Always write the current date; post-dating is risky and not always honored
Payee Line	Name of recipient	Write full legal name or business name—avoid blank payees
Amount (Numbers)	Numerical value	Write clearly; leave no space after amount to prevent tampering
Amount (Words)	Written amount	Include cents as fraction (e.g., “Fifty Dollars and 00/100”) to prevent alteration
Memo Line	Optional note	Use for reference (e.g., “Rent – April”), but never include sensitive info like SSN
Signature	Authorization	Sign only after verifying all details; use consistent signature

Once completed, double-check the numbers and words match. A discrepancy can cause delays or rejection. Always use a pen with permanent ink—preferably blue or black—to prevent easy alteration.

“Over 50% of check fraud begins with a stolen or poorly secured checkbook. Proper handling starts the moment checks enter your home.” — Lisa Tran, Senior Fraud Analyst at National Consumer Finance Association

Protecting Yourself from Check Fraud

Check fraud costs Americans over $1 billion annually. Thieves can alter amounts, forge signatures, or create counterfeit checks using stolen account numbers. To minimize exposure:

• Never pre-sign blank checks.
• Store unused checks in a locked drawer or safe, separate from your check register.
• Shred voided or unused checks instead of discarding them whole.
• Monitor your bank statements weekly for unauthorized transactions.
• Use positive pay services if offered by your bank—this allows you to approve checks before they’re paid.

If your checks are lost or stolen, act immediately. Contact your bank to stop payment on any missing check numbers and request a new account number if necessary. File a report with the FTC at IdentityTheft.gov if you suspect identity theft.

Tip: Consider using \"security checks\" with embedded patterns or void pantographs—they show “VOID” if copied or scanned.

Real-Life Example: How One Family Avoided a Costly Scam

The Reynolds family mailed a rent check from their home in Denver. Two weeks later, they noticed two additional withdrawals on their statement—one for $300 and another for $1,200—both drawn on the same check number. Alarmed, they contacted their bank.

It turned out the original check had been intercepted from their mailbox. The thief altered the amount and forged the signature. Fortunately, the Reynolds had kept a carbon copy and reported the fraud within 48 hours. Their bank reversed the charges and issued a new account number. They now use a locked mailbox, sign up for transaction alerts, and keep a detailed check register.

This case underscores the importance of vigilance. Simple habits—like tracking check numbers and enabling notifications—can prevent major losses.

Checklist: Safe Check Management Practices

Use this checklist to ensure you're managing personal checks securely:

• ✅ Order checks only through your bank or verified vendors
• ✅ Confirm all printed information is accurate before use
• ✅ Store checks in a secure, dry place away from children and visitors
• ✅ Write checks in permanent ink—never pencil
• ✅ Reconcile your check register with bank statements monthly
• ✅ Report lost or stolen checks immediately
• ✅ Shred canceled or unused checks before disposal
• ✅ Enable text/email alerts for account activity

Frequently Asked Questions

Can I stop payment on a check I’ve already written?

Yes, most banks allow stop-payment requests for a fee (typically $15–$35). You’ll need the check number, amount, date, and payee. Note: You must act before the check is cashed.

Are personal checks safe to mail?

Yes, when sent via U.S. Mail in a sealed envelope with proper postage. For added security, use certified mail with tracking, especially for large amounts. Avoid leaving outgoing checks in unsecured mailboxes.

What should I do if a check bounces?

If you accidentally write a check without sufficient funds, contact the recipient immediately to apologize and make alternate payment. Deposit funds as soon as possible. Repeated incidents can result in fees from your bank and damage to your ChexSystems record, affecting future banking options.

Final Thoughts: Confidence Through Control

Personal checks are more than just slips of paper—they’re financial instruments that demand responsibility. By ordering them securely, writing them carefully, and monitoring their use, you maintain control over your money and reduce the risk of fraud. While digital payments grow in popularity, checks remain a vital part of personal finance for specific needs.

Start today by auditing your current check practices. Are your checks stored safely? Do you reconcile your register regularly? Are you using banks with strong fraud protection? Small changes can yield significant long-term benefits.

💬 Have a check safety tip or experience to share? Join the conversation—your insight could help others avoid costly mistakes. Leave a comment below.