Top-Check vs. Middle-Check vs. Bottom-Check: What's the Difference?

On a standard 1-per-page voucher check, the check itself can sit at the top, middle, or bottom of the page, with stub sections filling the rest. Using the wrong layout setting in your software for the stock you actually have is one of the most common causes of alignment problems.

The three layouts

  • Check-on-top: the check sits at the top of the page, with one or two stubs below it. This is the most common default format.
  • Check-in-middle: a stub above and a stub below the check, with the check sandwiched in between.
  • Check-on-bottom: the check sits at the bottom of the page, with stub space above it.

How to tell which you have

Look at a blank sheet of your check stock and see where the check-shaped section (with the "Pay to the order of" line and amount boxes) is positioned relative to the full page — top third, middle third, or bottom third. Set that same option in your check software before printing.

Check Writer 123 supports all three layouts per bank account, so you can match whichever stock you're using without switching software.

Want to put this into practice?

Check Writer 123 handles check layout, MICR encoding, and alignment automatically — join the waitlist to get access as soon as accounts open up.