The Digital Checkbook: pay once, print checks whenever you need them
The Digital Checkbook is a one-time purchase of printed-check credits for Check Writer 123. You pay once for 100, 200 or 500 checks, and they never expire. There is no subscription and nothing renews. It includes every feature, with one limit of 1 bank account. It is made for people who write checks now and then. You buy your own check paper and ink.
One payment by card through Square. No subscription, no renewal, no expiry date on your checks.
Why a checkbook of credits suits occasional check writers
You write checks in bursts
Some people print nothing for three months, then six checks in a week at tax time or when a repair bill lands. A monthly plan charges you through the quiet months. Credits wait on your account until you need them.
You do not want another subscription
Many people are tired of small charges that renew on their own. The Digital Checkbook is one payment. Nothing renews, nothing is billed later, and there is no monthly limit or trial clock to watch.
The free plan is close, but not quite enough
The Free plan is free for up to 5 checks a month, but it has no logo, no saved signature, no register report and no cloud backup. A Digital Checkbook adds all of those for a small one-time cost.
You want to know what a check costs
With credits the price is simple. Each pack has a fixed price per check, from 15 cents down to 7 cents. You can see how many are left on your dashboard at any time.
How to buy and use a Digital Checkbook
You sign up and pay on the same screen, and it takes a few minutes. For the full range of options, see pricing. To learn more first, read what a Digital Checkbook is.
- 1
Open the Digital Checkbook page
Press Buy Digital Checkbook at the top of the site. Sign-up and payment are on one screen, so there is no separate account step. If you already have an account, use Buy more checks on the Dashboard or in Settings.
- 2
Enter your details and pick a pack
Type your name, email and a password, then choose 100, 200 or 500 checks. You pay by card through Square, and your card details go straight to Square.
- 3
Pay, and your account is created
Your account is created when the payment goes through, and the checks are added to it at once. If the card is declined, nothing is charged and no account is made. A receipt is emailed to you.
- 4
Confirm your email and open the dashboard
We send a link to confirm your email address. Once you confirm it, your dashboard opens. Add your bank account, run a free Test Print to line up the page, and you are ready.
- 5
Print, and buy more any time
Each printed check uses one credit. When you run low you can buy another pack, and the new checks are added to the ones you have left.
What every Digital Checkbook includes
Every feature, on every pack
All three packs are the same product. You get your company logo, a signature by photo, scan, drawing or typing, all check templates, batch printing and the alignment tool. The only difference between packs is how many checks you get.
A full check register
Every printed check is saved with its number, payee, amount and date. You get the register report and a CSV download, plus saved payees so you do not retype names.
Automatic MICR line and amount in words
The routing and account numbers are placed for you, and the written amount is made as you type the number. These are two common reasons a hand-made check goes wrong.
Free reprints and free Test Prints
A Test Print on plain paper is watermarked and uses no credit. Reprinting a saved check uses no credit either, so a paper jam does not cost you a second check.
Cloud backup
Your checks, payees and settings are kept safe in your account, so a new computer or a cleared browser does not lose them.
A clear low-balance warning
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 and settings stay as they are.
An example year with a Digital Checkbook
Marcus rents out one small apartment and writes about 10 checks a year: a few repair bills, an insurance premium and a property tax payment. The figures here are an illustration with round numbers, not a customer story.
He buys the 100-check pack for $15. At 10 checks a year it would last about ten years, and the checks never expire. Over the same ten years the $5.99 Occasional plan would add up to about $719. If Marcus later has a busy year, he can buy another pack and the new checks are added to the old ones.
An illustration with made-up figures, not a real customer.
What are the three packs?
Every pack includes the same features. A bigger pack just lowers the price of each check. Pick the size that matches how many checks you expect to write over the next year or two. More detail: Digital Checkbook pricing, how it works, its benefits and how it compares with regular checks.
- 100 checks for $15, which is 15 cents a check.
- 200 checks for $25, which is 12.5 cents a check.
- 500 checks for $35, which is 7 cents a check.
- More packs can be bought any time. New checks are added to the ones you have left.
- Paper and ink are extra. You buy blank check stock, pre-printed bank stock or plain paper yourself.
How is a check counted, and what happens when they run low?
A check is used up when it is printed. A printed voided check also uses one. Test Prints and reprints of a saved check are free and use nothing, so you can practice and fix a bad print without spending a credit.
The dashboard shows how many checks are left and warns you at 10 or fewer. If you reach 0, printing pauses until you buy more. Nothing else is taken away. Your saved checks, payees and settings stay on your account.
Digital Checkbook or a monthly plan? A simple rule of thumb
The numbers make this fairly easy to judge. A monthly plan is billed every month whether you print or not. A checkbook is paid once and kept.
- 5 checks a month or fewer, and you do not need a logo, saved signature, register report or backup: the free plan costs nothing.
- A few checks a month, or checks in bursts, with 1 bank account: a Digital Checkbook. At 10 checks a month, 100 checks last 10 months for $15. The Occasional plan would cost $59.90 over those same 10 months.
- Steady use of up to 20 checks a month: the Occasional plan at $5.99 is about 30 cents a check if you use all 20. The 500-check pack is 7 cents a check, so a checkbook still costs less per check if you will use the checks.
- More than 1 bank account: Mid Tier ($10.99 a month, 4 accounts) or Unlimited ($25.99 a month, unlimited accounts). A Digital Checkbook is limited to 1 account.
- Several hundred checks a month, such as payroll: Unlimited is built for that volume.
What is final, and what can support fix?
All Digital Checkbook sales are final and not refundable. The 30-day money-back guarantee applies only to monthly subscriptions. Read the refund policy and terms before you buy.
If a charge was made by mistake, or checks did not appear on your account, support will fix it. Accounts that nobody has signed in to for 2 years may be deleted, with an email warning first. If we ever stopped the service, we would give notice and refund unused checks. You can also subscribe later, and any leftover checks stay on your account.
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
What is the Digital Checkbook?
It is a one-time purchase of printed-check credits for Check Writer 123. You choose 100 checks for $15, 200 for $25 or 500 for $35. Each printed check uses one credit. There is no subscription, nothing renews and the checks never expire. Every feature is included, with a limit of 1 bank account.
Do the checks really never expire?
Yes. The checks have no expiry date, and there is no monthly limit or trial clock. They stay on your account until you print them. One note: accounts nobody has signed in to for 2 years may be deleted, and we send an email warning first. Signing in now and then keeps your account active.
What counts as a used check?
A check is used up when it is printed. A printed voided check also uses one. Test Prints are free, and so is reprinting a check you already saved. Neither uses any credits. The dashboard shows how many checks you have left, and it warns you when 10 or fewer remain.
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 covers monthly subscriptions only. If you were charged by mistake, or your checks did not appear, contact support and they will fix it. If we ever stopped the service, we would give notice and refund unused checks.
Can I buy more checks later?
Yes, any time. Use Buy more checks on the Dashboard or in Settings. The new checks are added to the ones you have left, so nothing is lost. You pay by card through Square, and you get an emailed receipt. The checks are added to your account immediately.
What does a Digital Checkbook not include?
It does not include physical checks, because Check Writer 123 prints checks and does not sell them. You print on blank check stock, pre-printed bank stock or plain paper that you buy, and paper and ink cost extra. It also allows 1 bank account. Mid Tier and Unlimited allow more.
Can I switch to a monthly plan later?
Yes. A Digital Checkbook owner can subscribe later from Settings. Your leftover checks stay on the account, and you can use them again if the subscription ends. Paid monthly plans have a 14-day free trial with no card needed, so you can try one before you decide.
Will my bank accept checks I print?
We cannot promise any bank will accept a check. Checks printed on blank stock with a complete MICR line carry the same information as bank-issued checks. If you are unsure, ask your bank. The guide on whether banks accept checks you print yourself has more detail.
Guides for people who print checks now and then
- Check Printing Software Cost: Subscription vs One-Time Purchase (3-Year Table)
- Will Banks Accept Checks You Print Yourself? A Practical Checklist
- How to Set Up Your First Check in 10 Minutes
- What Is Blank Check Stock?
- Plain Paper Check Printing Tips: Get a Sharp, Professional Check on a Color or Black-and-White Printer
- How to Reprint a Check
- How to Void a Printed Check
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 searching to buy checks online
- People who do not want a subscription
- 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
Get your Digital Checkbook
Sign up and pay on one screen. Pay once by card, and your checks are added to your new account right away. They never expire.