10 Best Check Printing Software

Businesses of all sizes rely on secure and efficient payment methods, and check printing remains a vital component for many. The process of manually writing checks is time-consuming and prone to errors. Check printing software addresses these challenges by automating the creation and management of checks, reducing the risk of fraud, and improving overall financial control. This is especially crucial as businesses navigate the complexities of modern financial management in 2025.

This article provides a detailed overview of ten leading check printing software solutions. We will delve into their features, benefits, pricing, and ideal use cases to help businesses make informed decisions. We will evaluate each option, providing a comprehensive comparison to empower you to select the check printing software that best aligns with your specific needs.

Why is check printing software needed?

The landscape of business finance continues to evolve, but the need for reliable and secure payment methods remains constant. Many organizations still rely on checks for various transactions, from vendor payments to payroll. However, managing check printing manually presents a range of challenges that can impact efficiency, security, and compliance.

• Time-Consuming Processes: Manually creating and managing checks requires significant time and effort, diverting resources from other critical business activities.
• Increased Risk of Errors: Manual check creation is prone to human error, leading to inaccurate payments, reconciliation difficulties, and potential financial losses.
• Security Vulnerabilities: Manually written checks are susceptible to fraud, including forgery and alteration, posing a significant risk to business finances.
• Lack of Audit Trails: Without a centralized system, tracking check payments and maintaining audit trails becomes challenging, hindering transparency and accountability.
• Compliance Issues: Businesses must adhere to strict regulatory requirements regarding check payments, and manual processes can make it difficult to ensure compliance.

Check printing software offers a streamlined and secure solution to these challenges. By automating check creation, providing robust security features, and facilitating compliance, these software applications empower businesses to manage check payments efficiently and confidently. The right software can significantly reduce errors, prevent fraud, and improve overall financial control.

Key Features to Look For

Selecting the right check printing software requires careful consideration of essential features that address specific business needs. These features ensure efficiency, security, and compliance in check payment management.

MICR Encoding:

MICR (Magnetic Ink Character Recognition) encoding is a critical feature that ensures checks are properly read by bank processing systems. Accurate MICR encoding minimizes processing delays and reduces the risk of rejected checks.

Security Features:

Robust security features, such as password protection, user access controls, and audit trails, are essential for preventing fraud and unauthorized check printing. These features protect sensitive financial information and ensure accountability.

Customization Options:

The ability to customize check layouts, add logos, and include specific information is important for maintaining a professional brand image. Customization options allow businesses to tailor checks to their unique requirements.

Integration with Accounting Software:

Seamless integration with accounting software, such as QuickBooks or Xero, streamlines the payment process by automatically recording check transactions and reconciling accounts. This integration eliminates manual data entry and reduces the risk of errors.

Reporting and Analytics:

Comprehensive reporting and analytics capabilities provide valuable insights into check payment trends, helping businesses identify potential issues and optimize their payment processes. These features enable informed decision-making and improved financial management.

Benefits

Implementing check printing software offers numerous benefits that enhance efficiency, security, and control over check payment processes. These benefits contribute to improved financial management and reduced operational costs.

Reduced Errors:

Automated check printing minimizes the risk of human error, ensuring accurate payments and reducing reconciliation difficulties. For example, automatically populating check amounts and payee information eliminates manual entry mistakes.

Enhanced Security:

Security features, such as password protection and audit trails, prevent fraud and unauthorized check printing, safeguarding business finances. Consider a scenario where user access controls prevent unauthorized employees from printing checks.

Improved Efficiency:

Streamlined check creation and management processes save time and resources, allowing businesses to focus on other critical activities. For instance, batch printing capabilities enable the creation of multiple checks simultaneously.

Cost Savings:

Reduced errors, improved efficiency, and fraud prevention contribute to significant cost savings over time. Avoiding the costs associated with correcting errors and preventing fraud can have a substantial impact on the bottom line.

Better Compliance:

Check printing software helps businesses comply with regulatory requirements by providing accurate records and audit trails. Maintaining detailed records of all check payments ensures adherence to financial regulations.

What Is the Best Check Printing Software?

Checkeeper – Best for Cloud-Based Check Printing

Checkeeper is a cloud-based check printing solution designed for businesses seeking a flexible and accessible way to manage their check payments. Its core strength lies in its ability to print checks from anywhere with an internet connection, making it ideal for remote teams and businesses with multiple locations. Checkeeper offers a user-friendly interface and robust features to streamline the check printing process.

Checkeeper simplifies check creation by allowing users to upload check images, customize layouts, and integrate with various accounting software. It also offers advanced security features, such as password protection and audit trails, to prevent fraud and unauthorized access. The software’s cloud-based nature ensures data security and accessibility from any device.

Additional features include batch printing, automatic check numbering, and detailed reporting. Checkeeper integrates with popular accounting platforms such as QuickBooks, Xero, and Bill.com, enabling seamless data transfer and reconciliation. The intuitive user interface makes it easy for users to create, print, and track checks efficiently.

Unlike some desktop-based solutions, Checkeeper’s cloud-based architecture provides greater flexibility and accessibility. While other tools may offer more advanced customization options, Checkeeper excels in its ease of use and remote access capabilities.

Key Features:

• Cloud-Based Access: Print checks from anywhere with an internet connection, enhancing flexibility.
• Integration with Accounting Software: Seamlessly connects with QuickBooks, Xero, and Bill.com for streamlined data transfer.
• Customizable Check Layouts: Tailor check designs to match your brand and specific requirements.
• Batch Printing: Print multiple checks simultaneously, saving time and improving efficiency.
• Security Features: Protect sensitive financial information with password protection and audit trails.

Pricing:

Starting at $14.99/month

Free plan: Not available

Premium: $39.99/month

Enterprise: Custom pricing

Best For: Businesses seeking a cloud-based check printing solution with seamless integration with popular accounting software and a user-friendly interface.

VersaCheck – Best for Small Businesses

VersaCheck is a comprehensive check printing solution tailored for small businesses seeking an affordable and easy-to-use platform. Its core strength lies in its versatility, offering a range of features for creating and managing checks, as well as processing payments. VersaCheck provides a cost-effective solution for businesses looking to streamline their check payment processes.

VersaCheck enables users to design and print checks using blank check paper, eliminating the need for pre-printed checks. It also offers features for managing accounts, tracking expenses, and processing ACH payments. The software’s user-friendly interface makes it easy for users to navigate and utilize its various functionalities.

Additional features include check reconciliation, expense tracking, and integration with QuickBooks. VersaCheck also supports multiple bank accounts and users, making it suitable for businesses with complex financial structures. The software’s comprehensive reporting capabilities provide valuable insights into check payment trends and financial performance.

While some solutions focus solely on check printing, VersaCheck offers a broader range of financial management features. Unlike more complex enterprise solutions, VersaCheck is designed for ease of use and affordability, making it an ideal choice for small businesses.

Key Features:

• Blank Check Printing: Print checks on demand using blank check paper, reducing costs and improving flexibility.
• Account Management: Manage multiple bank accounts and track expenses within the software.
• ACH Payment Processing: Process electronic payments directly through the software, streamlining payment workflows.
• Integration with QuickBooks: Seamlessly connects with QuickBooks for automated data transfer and reconciliation.
• Check Reconciliation: Easily reconcile bank statements with check payment records, ensuring accuracy and compliance.

Pricing:

Starting at $19.99/month

Free plan: Available with limited features

Premium: $49.99/month

Enterprise: Custom pricing

Best For: Small businesses seeking an affordable and versatile check printing solution with comprehensive financial management features.

OnlineCheckWriter.com – Best for ACH and Check Payments

OnlineCheckWriter.com is a comprehensive payment platform specializing in both ACH and check payments. Its core strength is its ability to handle a wide range of payment methods, making it ideal for businesses seeking a unified solution for managing all their payments. The platform offers robust features for creating, printing, and processing checks, as well as managing ACH transactions.

OnlineCheckWriter.com simplifies check creation by allowing users to design and print checks from any device. It also offers advanced security features, such as fraud detection and prevention, to protect against unauthorized transactions. The platform’s user-friendly interface makes it easy for users to manage both check and ACH payments from a single dashboard.

Additional features include batch processing, recurring payments, and detailed reporting. OnlineCheckWriter.com integrates with popular accounting software such as QuickBooks and Xero, enabling seamless data transfer and reconciliation. The platform also offers mobile apps for managing payments on the go.

Unlike some solutions that focus solely on check printing, OnlineCheckWriter.com provides a comprehensive payment solution for both check and ACH payments. While other tools may offer more advanced check design options, OnlineCheckWriter.com excels in its ability to manage a wide range of payment methods.

Key Features:

• ACH and Check Payments: Manage both electronic and check payments from a single platform, streamlining payment workflows.
• Fraud Detection and Prevention: Protect against unauthorized transactions with advanced security features.
• Batch Processing: Process multiple payments simultaneously, saving time and improving efficiency.
• Recurring Payments: Set up recurring payments for invoices and subscriptions, automating payment collection.
• Integration with Accounting Software: Seamlessly connects with QuickBooks and Xero for automated data transfer and reconciliation.

Pricing:

Starting at $29.99/month

Free plan: Not available

Premium: $79.99/month

Enterprise: Custom pricing

Best For: Businesses seeking a comprehensive payment platform that supports both ACH and check payments with robust security features and seamless integration with accounting software.

CheckPlusCFO – Best for Mid-Sized Businesses

CheckPlusCFO is a robust check printing and payment management solution designed for mid-sized businesses. Its core strength lies in its comprehensive feature set, offering advanced capabilities for creating, printing, and tracking checks, as well as managing other payment types. CheckPlusCFO provides a scalable solution for businesses with complex financial needs.

CheckPlusCFO simplifies check creation by allowing users to design and print checks with customizable layouts and security features. It also offers advanced payment management capabilities, such as ACH processing, wire transfers, and positive pay. The software’s user-friendly interface makes it easy for users to manage all their payments from a single platform.

Additional features include multi-user access, detailed reporting, and integration with various accounting software. CheckPlusCFO also offers advanced security features, such as fraud detection and prevention, to protect against unauthorized transactions. The software’s scalability makes it suitable for growing businesses with increasing payment volumes.

While some solutions focus on specific payment types, CheckPlusCFO offers a comprehensive payment management solution for various payment methods. Unlike more basic check printing software, CheckPlusCFO provides advanced features for managing complex financial operations.

Key Features:

• Comprehensive Payment Management: Manage checks, ACH payments, wire transfers, and other payment types from a single platform.
• Advanced Security Features: Protect against fraud and unauthorized transactions with robust security measures.
• Multi-User Access: Enable multiple users to access and manage payments, improving collaboration and efficiency.
• Detailed Reporting: Gain valuable insights into payment trends and financial performance with comprehensive reports.
• Integration with Accounting Software: Seamlessly connects with various accounting software for automated data transfer and reconciliation.

Pricing:

Starting at $49.99/month

Free plan: Not available

Premium: $129.99/month

Enterprise: Custom pricing

Best For: Mid-sized businesses seeking a comprehensive check printing and payment management solution with advanced features and scalability.

PrintBoss – Best for Automation

PrintBoss is a powerful check printing and document management solution focused on automation. Its core strength lies in its ability to automate check printing and other document-related tasks, making it ideal for businesses seeking to streamline their workflows. PrintBoss offers advanced features for customizing check layouts, managing multiple bank accounts, and automating payment processes.

PrintBoss simplifies check creation by allowing users to design and print checks with customizable layouts and security features. It also offers advanced automation capabilities, such as automatic check numbering, signature placement, and email notifications. The software’s user-friendly interface makes it easy for users to set up and manage automated workflows.

Additional features include batch processing, multi-user access, and integration with various accounting software. PrintBoss also offers advanced security features, such as password protection and audit trails, to protect against unauthorized access. The software’s automation capabilities help businesses save time and improve efficiency.

While some solutions offer basic check printing features, PrintBoss excels in its ability to automate check printing and other document-related tasks. Unlike more manual check printing software, PrintBoss provides advanced features for streamlining workflows and reducing manual effort.

Key Features:

• Automated Check Printing: Automate check printing tasks, such as check numbering, signature placement, and email notifications.
• Customizable Check Layouts: Design and print checks with customizable layouts and security features.
• Multi-User Access: Enable multiple users to access and manage check printing tasks, improving collaboration and efficiency.
• Batch Processing: Process multiple checks simultaneously, saving time and improving efficiency.
• Integration with Accounting Software: Seamlessly connects with various accounting software for automated data transfer and reconciliation.

Pricing:

Starting at $299 (one-time purchase)

Free plan: Not available

Premium: $499 (one-time purchase)

Enterprise: Custom pricing

Best For: Businesses seeking a check printing and document management solution focused on automation, with advanced features for customizing check layouts and streamlining workflows.

Treasury Software – Best for Enterprise-Level Businesses

Treasury Software is a robust check printing and treasury management solution designed for enterprise-level businesses. Its core strength lies in its comprehensive feature set, offering advanced capabilities for managing all aspects of treasury operations, including check printing, ACH payments, wire transfers, and cash management. Treasury Software provides a scalable solution for businesses with complex financial needs.

Treasury Software simplifies check creation by allowing users to design and print checks with customizable layouts and security features. It also offers advanced treasury management capabilities, such as cash forecasting, risk management, and compliance reporting. The software’s user-friendly interface makes it easy for users to manage all their treasury operations from a single platform.

Additional features include multi-user access, detailed reporting, and integration with various accounting and banking systems. Treasury Software also offers advanced security features, such as fraud detection and prevention, to protect against unauthorized transactions. The software’s scalability makes it suitable for large enterprises with complex financial structures.

While some solutions focus on specific payment types, Treasury Software offers a comprehensive treasury management solution for all aspects of treasury operations. Unlike more basic check printing software, Treasury Software provides advanced features for managing complex financial operations and ensuring compliance.

Key Features:

• Comprehensive Treasury Management: Manage checks, ACH payments, wire transfers, cash management, and other treasury operations from a single platform.
• Advanced Security Features: Protect against fraud and unauthorized transactions with robust security measures.
• Multi-User Access: Enable multiple users to access and manage treasury operations, improving collaboration and efficiency.
• Detailed Reporting: Gain valuable insights into financial performance and compliance with comprehensive reports.
• Integration with Accounting and Banking Systems: Seamlessly connects with various accounting and banking systems for automated data transfer and reconciliation.

Pricing:

Custom pricing based on business needs

Free plan: Not available

Premium: Custom pricing

Enterprise: Custom pricing

Best For: Enterprise-level businesses seeking a comprehensive check printing and treasury management solution with advanced features and scalability.

Acumatic Check Printing – Best for Acumatic Users

Acumatic Check Printing is designed specifically for users of the Acumatic cloud ERP system. Its main strength is its native integration with Acumatic, streamlining check printing directly within the ERP environment. This eliminates the need for separate software and ensures data consistency.

Acumatic Check Printing allows users to design and print checks with customizable layouts, including logos and security features. It leverages Acumatic’s existing data, such as vendor information and payment details, to automatically populate check fields. The software also supports multiple bank accounts and check formats.

Additional features include batch printing, electronic signatures, and audit trails. The software integrates seamlessly with Acumatic’s financial modules, providing a unified view of payment processes. It also supports positive pay and other security measures to prevent fraud.

Unlike standalone check printing solutions, Acumatic Check Printing is tightly integrated with the Acumatic ERP system. While other tools may offer broader compatibility, Acumatic Check Printing provides a streamlined experience for Acumatic users.

Key Features:

• Native Acumatic Integration: Seamlessly integrates with Acumatic ERP for streamlined check printing.
• Customizable Check Layouts: Design checks with logos, security features, and customizable fields.
• Batch Printing: Print multiple checks simultaneously, saving time and improving efficiency.
• Electronic Signatures: Add electronic signatures to checks for enhanced security and compliance.
• Audit Trails: Track all check printing activities for audit purposes and fraud prevention.

Pricing:

Contact Acumatic for pricing information.

Free plan: Not available

Premium: Included with Acumatic ERP

Enterprise: Custom pricing

Best For: Businesses using the Acumatic cloud ERP system seeking a tightly integrated check printing solution.

Sage Intacct Check Delivery – Best for Sage Intacct Users

Sage Intacct Check Delivery is a check printing solution built for users of the Sage Intacct cloud accounting platform. Its key advantage is its direct integration with Sage Intacct, which simplifies check creation and management within the accounting system.

Sage Intacct Check Delivery allows users to design and print checks directly from Sage Intacct, using data already stored in the system. It supports multiple bank accounts, check formats, and security features, such as MICR encoding and watermarks. The software ensures compliance with banking regulations and accounting standards.

Additional features include automated check numbering, electronic signatures, and audit trails. The software integrates seamlessly with Sage Intacct’s general ledger, accounts payable, and cash management modules. It also supports positive pay and other fraud prevention measures.

Unlike generic check printing software, Sage Intacct Check Delivery is specifically designed for Sage Intacct users. While other tools may offer broader compatibility, Sage Intacct Check Delivery offers a streamlined and integrated experience for Sage Intacct customers.

Key Features:

• Direct Sage Intacct Integration: Seamlessly integrates with Sage Intacct for streamlined check printing.
• Customizable Check Formats: Design checks with logos, security features, and customizable fields.
• Automated Check Numbering: Automatically assigns check numbers to prevent duplicates and errors.
• Electronic Signatures: Add electronic signatures to checks for enhanced security and compliance.
• Audit Trails: Track all check printing activities for audit purposes and fraud prevention.

Pricing:

Contact Sage Intacct for pricing information.

Free plan: Not available

Premium: Included with Sage Intacct

Enterprise: Custom pricing

Best For: Businesses using the Sage Intacct cloud accounting platform seeking a tightly integrated check printing solution.

Patriot Software – Best for Payroll Check Printing

Patriot Software is a payroll and accounting solution that includes check printing capabilities, particularly designed for payroll checks. Its strength is its integration with payroll processing, making it easy to print checks as part of the payroll workflow.

Patriot Software allows users to generate and print payroll checks directly from the payroll module. It calculates deductions, taxes, and net pay automatically, ensuring accuracy and compliance. The software also supports direct deposit and other payment methods.

Additional features include tax filing, employee management, and reporting. Patriot Software integrates with accounting software, allowing for seamless data transfer. It also offers user-friendly interface for small businesses.

Unlike specialized check printing software, Patriot Software focuses on payroll processing with integrated check printing. While other tools may offer more advanced check customization, Patriot Software is ideal for printing payroll checks efficiently.

Key Features:

• Integrated Payroll Processing: Streamlines payroll processing and check printing in one system.
• Automatic Tax Calculations: Calculates deductions, taxes, and net pay automatically.
• Direct Deposit: Supports direct deposit as an alternative to check payments.
• Employee Management: Manages employee information, pay rates, and deductions.
• Reporting: Generates payroll reports for accounting and compliance purposes.

Pricing:

Starting at $17/month for payroll services.

Free plan: Not available

Premium: $37/month

Enterprise: Custom pricing

Best For: Small businesses seeking a payroll solution with integrated check printing capabilities.

Deluxe eChecks – Best for Secure Digital Checks

Deluxe eChecks provides a platform for creating and sending secure digital checks. Its core strength lies in its focus on electronic check payments, offering a modern alternative to traditional paper checks. Deluxe eChecks ensures secure and efficient digital transactions.

Deluxe eChecks allows users to create and send digital checks electronically, eliminating the need for paper checks. It uses encryption and authentication technologies to ensure the security of transactions. The platform also provides real-time payment tracking and reporting.

Additional features include integration with accounting software, customizable check templates, and fraud prevention tools. Deluxe eChecks integrates with popular accounting platforms such as QuickBooks and Xero. It offers a user-friendly interface for managing digital check payments.

Unlike traditional check printing software, Deluxe eChecks focuses on electronic check payments. While other tools may offer paper check printing, Deluxe eChecks provides a modern and secure digital alternative.

Key Features:

• Secure Digital Checks: Creates and sends secure digital checks electronically.
• Encryption and Authentication: Uses encryption and authentication technologies to protect transactions.
• Real-Time Payment Tracking: Tracks payments in real-time for better visibility and control.
• Integration with Accounting Software: Seamlessly connects with QuickBooks and Xero.
• Fraud Prevention Tools: Offers fraud prevention tools to protect against unauthorized transactions.

Pricing:

Contact Deluxe for pricing information.

Free plan: Not available

Premium: Custom pricing

Enterprise: Custom pricing

Best For: Businesses seeking a secure and efficient solution for sending and receiving digital checks.

Check Printing Software Comparison

Here’s a side-by-side comparison of the top check printing solutions.

How to Choose the Right Check Printing Software

Selecting the ideal check printing software involves careful consideration of several key criteria to ensure it aligns with your specific business requirements. Evaluating these factors will help you make an informed decision.

Assess Your Specific Needs

Begin by identifying your specific check printing needs, such as the volume of checks you print, the level of customization required, and the need for integration with other systems. Determine if you primarily need to print payroll checks, vendor payments, or other types of checks.

Evaluate Integration Requirements

Ensure the software integrates seamlessly with your existing accounting software, such as QuickBooks or Xero. This integration streamlines the payment process and reduces the risk of errors. Verify that the software supports the file formats and data structures used by your accounting system.

Consider User Experience

Opt for software with a user-friendly interface that is easy to navigate and use. A simple and intuitive interface will reduce the learning curve and improve efficiency. Look for features such as drag-and-drop design tools and clear instructions.

Check Scalability Options

Choose software that can scale with your business as your check printing needs grow. Ensure the software can handle increasing volumes of checks and accommodate additional users. Consider cloud-based solutions that offer scalability and flexibility.

Review Pricing Models

Compare the pricing models of different software options, considering factors such as monthly fees, per-check charges, and one-time purchase costs. Determine which pricing model best aligns with your budget and usage patterns.

Test with Free Trials

Take advantage of free trials or demos to test the software before making a purchase. This allows you to evaluate the software’s features, usability, and performance in a real-world setting.

Read Reviews & Case Studies

Research online reviews and case studies to gain insights into the experiences of other users. Look for feedback on the software’s reliability, customer support, and overall value.

Check Printing Software Best Practices

Implementing check printing software effectively requires adherence to best practices that ensure security, efficiency, and compliance. These practices help businesses maximize the benefits of their software investment.

Start with Clear Requirements

Define your specific check printing requirements before implementing the software. This includes identifying the types of checks you need to print, the level of customization required, and the integration needs with other systems.

Involve Key Stakeholders Early

Involve key stakeholders, such as accounting staff and IT personnel, in the selection and implementation process. This ensures that the software meets the needs of all users and integrates seamlessly with existing systems.

Plan for Proper Training

Provide adequate training to all users on how to use the software effectively. This includes training on check design, printing, and security features. Consider offering ongoing training to keep users up-to-date on new features and best practices.

Monitor Adoption Metrics

Track key adoption metrics, such as the number of checks printed, the time saved, and the reduction in errors. This helps you measure the success of the software implementation and identify areas for improvement.

Leverage Automation Features

Take full advantage of the software’s automation features, such as automatic check numbering, signature placement, and email notifications. This can significantly reduce manual effort and improve efficiency.

Maintain Data Quality

Ensure the accuracy and completeness of the data used by the software, such as vendor information and bank account details. Regular data cleansing and validation can help prevent errors and ensure compliance.

Schedule Regular Reviews

Conduct regular reviews of your check printing processes to identify areas for improvement. This includes reviewing security protocols, compliance procedures, and user feedback.

Simplifying Your Financial Processes

Selecting the right check printing software is a significant step toward enhancing financial management and operational efficiency. Several solutions, such as Checkeeper and VersaCheck, provide user-friendly interfaces and robust features tailored to varying business sizes and needs. By automating check creation, implementing robust security measures, and integrating with accounting systems, businesses can significantly reduce errors, prevent fraud, and improve overall financial control. As businesses continue to adapt to evolving financial landscapes, leveraging check printing software becomes increasingly crucial for maintaining compliance and optimizing payment processes.

Frequently Asked Questions

What is check printing software?

Check printing software is a tool that allows businesses to create and print checks on demand, automating the process and improving security. It often includes features for customizing check layouts, managing bank accounts, and integrating with accounting systems.

Why should I use check printing software?

Using check printing software reduces errors, enhances security, saves time, and improves compliance compared to manual check writing. It streamlines the payment process and provides better control over financial transactions.

Can I customize the look of my checks with check printing software?

Yes, most check printing software allows you to customize check layouts by adding logos, changing fonts, and including specific information. This helps maintain a professional brand image and meet specific business requirements.

Is check printing software secure?

Reputable check printing software includes security features like password protection, user access controls, and audit trails to prevent fraud and unauthorized check printing. These features protect sensitive financial information and ensure accountability.

Does check printing software integrate with accounting software?

Yes, many check printing software solutions integrate with popular accounting software like QuickBooks and Xero. This integration streamlines the payment process by automatically recording check transactions and reconciling accounts.

What type of paper do I need for check printing software?

You can use blank check paper or pre-printed check stock with check printing software. Blank check paper offers more flexibility, while pre-printed stock may be required by some banks for security reasons.