Benefits of Ordering Business Checks Online vs Bank: Top 6 Advantages
When it comes to handling business payments, picking where to get your checks can really affect both cost and convenience. Plenty of small business owners still use business checks for payroll, vendors, or expenses, but the big question is: should you order business checks online or stick with your bank? Ordering business checks online usually means more flexibility, lower prices, and faster service than what you’d get from a bank.
Ordering business checks online gives you way more design choices, formats, and security options. Banks tend to have fewer options and higher prices, while online check printing lets you customize, order in bulk, and match your accounting software — making your finances look sharp and secure, without extra fees.
If you’ve ever wondered why so many businesses are moving away from bank-ordered checks, it’s mostly about getting things done faster and saving money. Online providers make reordering simple, ship quickly, and throw in security features that banks often charge extra for. It’s a practical way to keep your business running smoothly without overspending.
Ordering business checks online gives you more control — over cost, speed, and how your checks look. You’ll get better security features, more design choices, and tools that work with today’s financial tech.
Banks tend to tack on higher fees for business checks, sometimes even charging extra for branding or fast shipping. Online providers usually show you the price upfront, so there are no surprises. You can often score volume discounts by ordering in bulk, which is handy if you write a lot of checks every month. Another plus: no sneaky charges. Banks might roll check costs into monthly fees or require a minimum balance to avoid them, but online providers keep things separate. It’s easier to budget this way. When pricing is straightforward, you can actually compare your options. That lets you pick the provider that fits your needs — without worrying about hidden fees.
Ordering through a bank can mean making a trip to the branch or dealing with slow approval steps. Online check printers let you upload your info, pick a design, and finish your order in just minutes. Many offer expedited shipping, so checks can arrive in a few business days — sometimes even the same day if you’re in a rush. You’re not stuck waiting for bank hours or mailing requests. Order when it works for you, whether you’re in the office or at home. This kind of convenience means you’re less likely to run out of checks and scramble at the last minute, which keeps your payments on track.
Security’s always a big deal with business payments. Online check providers often use multi-layered protection like watermarks, microprinting, and tamper-evident coatings — making it tough for anyone to mess with your checks. Most reputable sites protect your info with SSL encryption during checkout. Some even add multi-factor authentication for your account. Online business checks can also include warning bands, toner lock coatings, and void pantographs — extra touches banks don’t always offer. These help stop unauthorized copies. Choose a provider with solid reviews and you can be confident your checks meet industry standards for fraud prevention.
Banks usually stick to a few basic check designs and don’t let you change much. Online, you can add your business logo, colors, and branding — it’s way more flexible. Pick from top, middle, or bottom check layouts to match your accounting software, like QuickBooks or Xero. Custom checks help reinforce your brand. When vendors and clients see your logo, it just looks more professional. Some places even let you pick the security level, paper quality, or eco-friendly paper. It’s easier to get checks that fit your business style and values.
Running out of checks is a headache. Online platforms save your designs and account info, so reordering is quick and painless. Just log in, check your past orders, and reorder with a couple clicks. It’s way less error-prone than starting from scratch each time. Some sites even offer automatic reminders or recurring orders, so you’re never caught off guard before payday or a big vendor payment. Having an online account means you can track what you spend on checks, which helps with budgeting and planning.
Order
Business Check
Online
Online check providers build their products to work with modern financial tech. Many checks are set up for accounting software and digital banking, making life easier. This makes reconciling payments with your bank’s dashboard faster. You can also use mobile deposit features, letting vendors snap a photo to deposit checks. Some providers work with digital wallets like Apple Pay, Google Pay, Samsung Pay, or Venmo, blending paper checks with electronic payment tools. If you use an online bank or fintech like Bluevine, ordering business checks online makes sure everything works together — even if your bank doesn’t have branches. You get to handle both paper and digital payments in one place.
When you stack up online business check ordering against banks, the big differences are in service, account perks, and how security is handled. Each one has its pros and cons that can affect your costs, convenience, and how you run your business finances.
Banks give you in-person service at branches, which is nice if you like face-to-face help. You might get a dedicated business rep who can answer questions about accounts, loans, or merchant stuff. Online check providers focus on digital support — phone, email, or live chat. No branches, but it’s usually faster for basic issues. For more complicated stuff, it might feel less personal. Most online platforms have self-service tools for tracking orders, reordering, and customizing designs. They’re built for speed, so you don’t have to wait for a banker. If you care about convenience and quick service, online is often smoother. If you want broader financial advice and a personal relationship, banks might be the way to go.
Ordering business checks from your bank connects the order to your checking account. Some banks toss in perks, like waived fees or discounts if you keep a certain balance. This can make sense if you use their other services — savings, CDs, or money market accounts. Online providers, on the other hand, are all about flexibility. You get more choices in check formats, security, and customization — usually at a better price. They don’t tie orders to your account balance or loans. Banks might pitch extra services like high-yield savings or business credit lines, which is handy if you want everything in one place. But if your main goal is to save money on checks, online ordering is usually cheaper and less complicated.
Banks follow federal rules and provide deposit insurance through the FDIC or NCUA, so your money is protected (up to the standard limits). This covers your account, not the checks themselves. Online check providers don’t touch your deposits — they focus on document security. Things like microprinting, watermarks, and tamper-evident coatings help keep your checks safe. Good ones use SSL encryption and follow ANSI standards for check formatting. When you order online, your financial data is sent securely but not stored longer than needed. Banks already have your info, so ordering through them can feel more seamless. Both options are safe if you use trusted companies. The difference is: banks protect your money, online printers protect the checks you hand out.
When you look at ordering checks online versus buying from your bank, you’ll spot clear differences in cost, speed, security, customization, convenience, and delivery. Each one can affect how smoothly your business handles payments and recordkeeping.
You can usually save 50% or more compared to banks, since online providers offer bulk discounts and lower rates. Banks often charge more for small orders, while online vendors let you buy larger batches for less per check.
Online orders can connect with accounting software like QuickBooks or Xero, so you can print checks straight from your system. That means less manual entry and fewer mistakes — plus, it saves time on bookkeeping and payments.
Good online printers offer advanced security — microprinting, watermarks, tamper-evident coatings, and void pantographs. These go beyond the basics you’d get at most banks, so you’re better protected from fraud.
Absolutely. You can pick from different layouts, logos, colors, and branding options. This lets you create business checks that fit your company’s style and look more professional to clients and vendors.
Online services let you order anytime — no need to visit a branch. You can manage reorders, track shipping, and customize designs from a simple dashboard, so you skip the hassle of in-person requests.
Online check printers usually get your order to you faster, and you can often pay extra for rush shipping if you're in a hurry. Banks, on the other hand, tend to be slower because they use outside vendors and don't really give you many choices for delivery speed.
If you’re looking for more guidance on business checks, please visit our
Business Check Ordering Guide for everything you need. You can also call us toll-free at 800-245-5775 and our teams of experts are always happy to help you with more specific questions. We look forward to helping you with all your business checking needs!
This page is made possible by Checksforless.com®. For more than 35 years, Checksforless.com® has provided over 500,000 businesses with high quality business checks, deposit slips, and other banking supplies with easy ordering and fast production times; all at the guaranteed lowest price in the nation. Our discount business checks are easily customizable and compatible with over 4,500 software programs including QuickBooks and Peachtree/Sage 50 (formerly Peachtree). Email or call us toll-free at 800-245-5775 or visit us online at Checksforless.com®.