The benefits of a Digital Checkbook, and where it falls short
A Digital Checkbook lets you pay once for 100, 200 or 500 printable checks that never expire. The main benefits are low cost per check, no waiting for a box to arrive, no subscription, an automatic record and checks that always carry your current details. The main limits are that you need a printer and paper, and it allows 1 bank account.
From 7 cents a check. No subscription, no renewal, no expiry. All sales are final.
The problems a Digital Checkbook is built to solve
Monthly fees for rare use
Software that bills every month makes sense for steady use. For a person who prints a handful of checks a year, it means paying through months of doing nothing. A one-time purchase matches rare use much better.
Boxes of checks that go out of date
Pre-printed checks hold your old address, business name or bank details until the last one is used. Printing on demand puts your current details on every check.
Handwriting errors
Checks are voided for wrong dates, mismatched amounts in words and numbers, and messy writing. Letting software fill in the amount in words and the MICR line removes most of these.
No record of what you wrote
People forget to note a check in the register, then wonder later what was paid. A saved register of every printed check makes reconciling easier. See how to reconcile printed checks with a bank statement.
How you get these benefits in practice
The benefits come from a short routine. You do the setup once, then each check takes a minute. The details are in how a Digital Checkbook works.
- 1
Pay once for the size you need
Choose 100 checks for $15, 200 for $25 or 500 for $35. Sign-up and payment are on one screen, and nothing renews.
- 2
Set up your bank account one time
Enter the account details, your logo and a signature. They are saved, so you do not retype them for each check.
- 3
Print only what you need
Type the payee and the amount. The date, the words, the number and the MICR line are filled in. Print on blank check stock, pre-printed bank stock or plain paper.
- 4
Let the register keep the record
Each printed check is saved with its number, payee, amount and date. You can search the register or download it as a CSV.
- 5
Top up whenever you like
When the balance gets low, buy another pack. The new checks are added to the ones you have left.
Seven benefits, explained
1. A low cost per check
The three packs work out to 15 cents, 12.5 cents and 7 cents a check. You also pay for your own paper and ink. Compare that with your own price for a box of regular checks. See the cost of printing your own checks.
2. No subscription and no expiry
One payment, no renewal, no monthly limit and no trial clock. The checks wait on your account until you need them.
3. Checks the same day
No ordering and no delivery. If you have a printer and paper, you can print a check in minutes.
4. Current details on every check
Change your address or logo and the next check shows it. Nothing is printed in advance, so nothing goes out of date.
5. Fewer mistakes
The amount in words and the MICR line are automatic, and the routing number is checked as you type it.
6. A built-in record
A register of every check, saved payees, a report and CSV download, plus cloud backup, are all included.
7. Every feature in every pack
Logo, saved signature, all templates, batch printing and the alignment tool are in all three packs. A bigger pack only adds more checks.
An example: a small business owner who writes a few checks a month
Rosa runs a one-person design studio and pays a few suppliers by check, about 30 a year. The figures here are an illustration with round numbers, not a customer story.
The 200-check pack at $25 covers about six and a half years. Her logo is on every check, the amounts always match, and a CSV of the register goes to her bookkeeper at tax time. She pays nothing in the months she prints nothing.
An illustration with made-up figures, not a real customer.
The honest limits
A fair list of benefits includes the things a Digital Checkbook does not do.
- It needs a computer, a printer and paper. Paper and ink cost extra.
- It allows 1 bank account. Mid Tier allows 4 and Unlimited allows unlimited accounts on a monthly plan.
- It does not send money. You still hand over or mail the check. For electronic payments see do you need software for ACH payments.
- All sales are final and not refundable. The 30-day guarantee covers monthly plans only.
- No one can promise that every bank will accept every check. Ask your bank if you are unsure.
Who gets the most from a Digital Checkbook?
People who write checks in bursts, or rarely, and who want to pay once. Typical examples are landlords with one or two properties, tradespeople, freelancers, small offices, families that pay rent or tuition by check, and anyone who finds monthly subscriptions annoying.
People who write hundreds of checks a month, run payroll or need many bank accounts do better on a monthly plan. The pricing page shows the options side by side.
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 are the benefits of a digital checkbook?
The main benefits are a low cost per check from 7 to 15 cents, no subscription, no expiry, no waiting for a box to arrive, current details on every check, fewer mistakes and a saved register. Every feature is included in every pack.
Is a digital checkbook worth it if I write few checks?
Often yes, because you only pay once and the checks never expire. At 10 checks a year the 100-check pack lasts about ten years for $15. The free plan is also an option for up to 5 checks a month, without a logo, signature, register report or backup.
Does a digital checkbook save time?
It saves the wait for an order to arrive and the time spent writing and checking each check by hand. Setup takes a few minutes once, and each check after that takes about a minute.
Does it reduce errors?
It removes the common handwriting ones. The amount in words is written for you from the number, the check number counts up by itself, and the MICR line is placed for you. You still need to type the right payee and amount.
Are there any downsides?
You need a printer and paper, it allows 1 bank account, it does not send money for you, and all sales are final. We think it is better to say that up front than have you find out later.
Can a business use a Digital Checkbook?
Yes, a small business with one bank account can. Your logo and signature are included, and the register can be downloaded as a CSV. A business with several accounts or high volume is better on a monthly plan.
Do the checks work with my bank?
Checks printed on blank stock with a complete MICR line carry the same information as bank-issued checks. We cannot promise any bank will accept any check, so ask yours if you are unsure.
What if I need more checks later?
Buy another pack from the Dashboard or Settings. The new checks are added to the ones you have left, so nothing is lost.
Guides for people weighing the benefits of a digital checkbook
- Check Printing Software Cost: Subscription vs One-Time Purchase (3-Year Table)
- How to Reconcile Printed Checks With a Bank Statement
- How to Keep a Digital Record of Printed Checks
- How to Print a Check With Your Company Logo
- Will Banks Accept Checks You Print Yourself? A Practical Checklist
- How to Print a Check Without Buying Pre-Printed Checks
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 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 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
Pay once, print when you need to, and keep your checks forever. Sign-up and payment are on one screen.