Check printing software with no subscription
Check Writer 123 can be used with no subscription in three ways: the free plan with 5 checks a month and no card, a 14-day trial with no card, or a Digital Checkbook, a one-time purchase of printed checks that never expire. Nothing renews and there is nothing to cancel. It runs in your browser on Windows, Mac and Chromebook. You buy your own check paper and ink.
No card for the free plan or the trial. A Digital Checkbook is paid once and never renews.
Why people look for check software with no subscription
You write checks now and then, not every week
A landlord with a few units, a seasonal business, a household or a club treasurer may print a handful of checks a month, or a burst in one month and none for the next three. A bill that arrives every month whether you print or not feels wrong for that pattern.
You do not want a renewal to catch you out
Auto-renewing plans can charge a card months after you stopped using the tool. With the free plan and the trial, no card is on file. With a Digital Checkbook you pay once, and there is no renewal date to forget.
You do not want to hunt for a cancel button
Some tools make it easy to start and hard to stop. A one-time purchase has nothing to cancel. The free plan has nothing to cancel either, because it never asks for a card.
You worry about losing your checks if you stop paying
With a Digital Checkbook, unused checks stay on your account. They do not expire, and they are not tied to a month. You use them when you need them, whether that is next week or in a year.
How to use it with no recurring bill
You can start without paying anything, then decide. For a longer look at the money side, see subscription vs one-time cost.
- 1
Create a free account
Sign up on the signup page with your name, email and a password, then confirm your email address. No card is asked for.
- 2
Start on the Free plan
On the plan screen, pick Continue with the Free plan. You get 5 checks a month and 1 bank account, with no end date. See the free plan page for the details.
- 3
Run a free Test Print
Add your bank account and print a Test Print on plain paper. Test Prints are free and never use up a check. Use one to line up the page before you print a real check.
- 4
Choose how you want to pay, if at all
If 5 checks a month is enough, stay free. If you want to try a paid plan, take the 14-day trial with no card. If you want logo, signature and more checks without a monthly bill, press Buy Digital Checkbook at the top of the site.
- 5
Buy a pack once and print when you need to
Pay by card through Square. A receipt is emailed and the checks are added to your account at once. The Dashboard shows how many are left. Buy another pack any time and the new checks are added to the ones you have.
What you get without a subscription
A free plan that never ends
5 printed checks a month and 1 bank account, no card, no end date. It has no logo, signature or cloud backup, and no register report.
A 14-day trial with no card
Try a paid plan for 14 days without entering a card. When the trial ends, you choose what to do next. Nothing is charged on its own.
Checks that never expire
A Digital Checkbook is 100 checks for $15, 200 for $25 or 500 for $35. There is no monthly limit and no clock, so unused checks wait for you.
Every feature in the Digital Checkbook
Company logo, signature (photo, scan, draw or typed), all check templates, batch printing, the full check register with report and CSV, saved payees, the automatic MICR line, the amount in words, the alignment tool and cloud backup.
Free Test Prints and free reprints
A check is used up when it is printed. Test Prints and reprinting a saved check use nothing, so a bad alignment does not cost you a check.
A warning before you run out
The Dashboard shows how many checks are left and warns you at 10 or fewer. At 0, printing pauses until you buy more. Nothing is charged for you.
An example: a seasonal business
Marcus runs a small snow removal business. The figures here are an illustration with invented round numbers, not a customer story. He pays about 40 checks between November and March and almost none the rest of the year.
A monthly plan would bill him through the quiet months. Instead he buys 100 checks for $15 once. He uses about 40 in the busy season and has about 60 left for next winter, because they never expire. The free plan would also have worked for a light month, but 5 checks does not cover a busy one.
An illustration with made-up figures, not a real customer.
Which option costs less? The simple arithmetic
Only the stated prices are used here. The free plan covers up to 5 checks a month, which is 60 a year, for $0. If that is enough, nothing beats it.
Past that, compare the cost per check. A Digital Checkbook is 15 cents a check for 100, 12.5 cents for 200 and 7 cents for 500. The Occasional plan is $5.99 a month for up to 20 checks, which is about 30 cents a check if you use all 20, and more if you use fewer. Mid Tier is $10.99 for up to 60 checks, about 18 cents a check at full use. On price alone, a pack is cheaper than a monthly plan for almost any amount of printing.
A monthly plan can still make sense for other reasons. Mid Tier and Unlimited allow more than 1 bank account, and a Digital Checkbook allows only 1. If you print more than roughly 370 checks every month, Unlimited at $25.99 costs less than buying 500-check packs at 7 cents a check. For a landlord, household or club treasurer, that point is far away.
- 5 checks a month or fewer, 1 bank account: Free plan.
- A few dozen checks a year, 1 bank account: a Digital Checkbook, usually the 100-check pack at $15.
- A busy stretch now and then, 1 bank account: a larger pack, so the cost per check falls.
- More than 1 bank account: a monthly plan, Mid Tier for up to 4 accounts or Unlimited for no limit.
- Not sure yet: take the 14-day trial with no card, or start free.
What "no subscription" does and does not mean
It means nothing renews, nothing is charged again on its own, and there is nothing to cancel. Your checks do not expire and there is no monthly limit on a Digital Checkbook.
It does not mean there are no rules. All Digital Checkbook sales are final and not refundable. The 30-day money-back guarantee applies only to monthly subscriptions, so pick the pack size with care. A charge made by mistake, or checks that did not appear, are fixed by support. Read the refund policy and the terms before you buy.
Accounts that nobody has signed in to for 2 years may be deleted, with an email warning first, so sign in once in a while. If we ever stopped the service, we would give notice and refund unused checks. A Digital Checkbook owner can subscribe later, and leftover checks stay on the account for later use if the subscription ends.
What to check in any check software before you pay
These questions apply to any tool, not only this one. Ask them before you give a card number. The buyer's checklist goes into more detail.
- Does it renew by itself? Look for the renewal date and how to stop it.
- Do unused checks or credits expire? If so, when, and what happens to them?
- Can you get your records out, for example as a CSV file, if you leave?
- What is the refund rule? Is it written down, and does it cover what you are buying?
- What happens to your data if you stop paying or stop signing in?
- Are logo, signature and alignment tools included, or sold as extras?
- Does it print on blank stock and plain paper, so you are not locked into one paper supplier?
What it costs
One flat monthly price. Every paid plan has all check templates, batch printing and the check register. Logo, signature and cloud backup come with Mid Tier and Unlimited. You also pay for your own paper and ink.
Occasional Pack
$5.99
per month
20 checks a month
1 bank account
Mid Tier
$10.99
per month
60 checks a month
4 bank accounts
Unlimited
$25.99
per month
Unlimited checks
Unlimited bank accounts
A check counts when you press Print. Reprints and Test Prints are free. 30-day money-back guarantee on your first payment; see the refund policy.
Frequently asked questions
Is there check printing software with no subscription?
Yes. Check Writer 123 has a free plan with 5 checks a month and no card. It also has a Digital Checkbook, a one-time purchase of printed checks that never expire. Nothing renews and there is nothing to cancel. You still buy your own check paper and ink.
How does a Digital Checkbook differ from a subscription?
A subscription bills every month and gives you a monthly allowance. A Digital Checkbook is paid once and gives you a set number of checks, 100, 200 or 500. They never expire, there is no monthly limit and no renewal. One limit is 1 bank account. A subscription can be cancelled, but a Digital Checkbook sale is final.
Do I need a card for the free plan or the trial?
No. The free plan needs no card and has no end date. The 14-day trial of a paid plan also needs no card. When the trial ends, you choose whether to pay, stay on the free plan or buy a Digital Checkbook. Nothing is charged on its own.
Can I get a refund on a Digital Checkbook?
No. All Digital Checkbook sales are final and not refundable. The 30-day money-back guarantee applies only to monthly subscriptions. If you were charged by mistake, or your checks did not appear, support will fix it. Start with a Test Print or the free plan first if you are unsure.
Do the checks in a Digital Checkbook ever expire?
No. They have no expiry and no monthly limit. A check is used up when it is printed, and a printed voided check also uses one. Test Prints and reprinting a saved check are free. One note: an account nobody has signed in to for 2 years may be deleted, with an email warning first.
What happens when I run out of checks?
The Dashboard shows how many checks are left and warns you at 10 or fewer. At 0, printing pauses until you buy more. Your saved checks, payees and settings stay. When you buy another pack, the new checks are added to any you have left, and printing starts again at once.
Can I switch to a monthly plan later?
Yes. A Digital Checkbook owner can subscribe later, for example if you need more bank accounts. Leftover checks stay on the account and can be used again if the subscription ends. Paid monthly plans have a 14-day free trial with no card and a 30-day money-back guarantee.
How do I buy a Digital Checkbook?
Press Buy Digital Checkbook at the top of the site. You sign up and pay on one screen, your account is created when the payment goes through, and the checks are added at once. Then confirm your email with the link we send. Existing users can choose Buy more checks on the Dashboard or in Settings. A receipt is emailed.
Guides for people who do not want a subscription
- Check Printing Software Cost: Subscription vs One-Time Purchase (3-Year Table)
- Check Printing Software Buyer's Checklist: 12 Things to Compare
- Best Free Check Printing Software: What 'Free' Really Means in 2026
- How to Print Checks Online: Step-by-Step Guide (Try It Free)
- Affordable Check Printing Software
- Check Printing Software Compared: 10 Options, Prices and Who Each Suits
- Will Banks Accept Checks You Print Yourself? A Practical Checklist
- How to Set Up Your First Check in 10 Minutes
Also for
- Anyone who prints their own checks
- Small businesses
- Mac users
- Windows users
- Chromebook users
- Landlords and property managers
- Contractors and trades
- Churches and nonprofits
- Bookkeepers and accountants
- Daycares and small shops
- Law firms and small practices
- Auto repair shops and dealerships
- People who want to try check printing software first
- People who want free check printing software
- People deciding whether to pay for ACH payment software
- People deciding whether to pay for wire transfer software
- People deciding whether to pay for check mailing services
- People deciding whether check writing software is worth it
- People who handwrite checks and want something easier
- People deciding between printing checks and ordering them
- People comparing check writing software with what their bank offers
- People who want to save time writing checks
- Small businesses that need better check records
- People who want to avoid check writing mistakes and wasted checks
- People who print checks now and then
- People searching to buy checks online
- People wondering what a digital checkbook is
- People comparing a digital checkbook with regular checks
- People who want to know how a digital checkbook works
- People weighing the benefits of a digital checkbook
- People checking the price of a digital checkbook
- Businesses that pay by check
- Employers who pay staff by check
- People who print on blank check stock
- People who print the MICR line on checks
- LLC owners
- Anyone: print checks online
Start free, or pay once and print when you need to
Create an account and start on the free plan with no card, or get a Digital Checkbook and keep your checks as long as you like. Nothing renews either way.