A teller or personal banker can print counter checks for you. When you first open an account at a bank, you will probably be given several counter checks to get you started before your official checks arrive. They will have your account information on them, so they work just like regular checks. Your ABA routing number and account number appear on the bottom of each check in that familiar computerized MICR font. Some banks include your name and address as well, but for the most part, these checks are very basic, and merchants can usually tell when you’re using a counter check.
Pros and Cons of Using Counter Checks
Pros Explained
Instant access and easy to get: The main benefit of a counter check is that you have what you need—a check—with a quick trip to the branch. Instead of waiting for a shipment of checks to come in the mail, you can start writing checks right away.
Cons Explained
Cost and limits: Banks usually charge a small fee to print checks at the branch, so expect to pay roughly $1 to $2 dollars per check. Also, you can only get a few checks at a time; you’re not going to walk out with 50 checks.Suspicious merchants: If you’re planning to make a payment with one of these checks, be aware that merchants don’t always want to accept counter checks as payment. Even if the bank prints your personal information on the check, counter checks usually don’t have a check number, which is a strong signal to merchants that the check is a counter check. Merchants might fear that you’ve opened a brand new account (which signals greater risk for them) or that you’re using a poorly made counterfeit check.
How To Get Counter Checks
Visit your bank or credit union’s branch to request a counter check. Before you make a trip to the branch, call and make sure counter checks are available there. Find out what the process is and whether you need to use any particular branch. Of course, if you use an online-only bank, you can’t get counter checks because there is no branch to visit. Once at the branch, ask the teller or personal banker to print the checks, show your ID, and complete any other steps required by the bank. You should have your checks in your hand in just a few minutes.
How To Fill Out Counter Checks
Writing a check with a counter check is the same as using any other check: You might also need to write your personal information on the check, usually in the upper-left-hand corner. Again, some banks print those details for you. If not, whoever you’re writing the check to will probably want to know how to contact you if any problems arise. For example, they may require you to provide your name and phone number at a minimum. Retailers often want your address and driver’s license number as well.
How To Use Fewer Checks
If you’re out of checks, and you find yourself in this situation often, try to use fewer checks. To use fewer checks, take advantage of technology:
Sign up for automatic payments via ACH for recurring monthly payments like utility bills and insurance premiums. Use your bank’s online bill payment system. Your bank will pay electronically or mail a check so you don’t have to. Spend with your debit card instead of writing checks at merchants. Better yet, use a credit card and pay it off every month to build good credit. Repay your friends with online services and apps for sending money, such as Venmo.
Counter Checks Are Not Cashier’s Checks
Counter checks are not the same as cashier’s checks, which are also checks that your bank prints on demand. Cashier’s checks are for “cleared” or guaranteed funds, and they have payee information printed on them. Counter checks are not for guaranteed payments, and the payee information must be filled in.
