We’re about to dive into the difference between the business checks and personal checks in a minute – but as we go through, let’s pay particular attention to the benefits of using checks in this day and age of digital payments. Let’s get started.  

Business checks vs personal checks: Everything you need to know

At its most fundamental level, the main differences between business and personal checks are the account they come from and where they go. Business checks are linked to your business account and should be used for your business expenses and transactions. Personal checks are linked to your personal account and are intended for non-business transactions. 

So – when it comes to the business check vs. personal check debate – you really need both. We’ll tell you why. 

Personal checks 

Many transactions still require personal checks, and it’s important you have them. 

As a top example, landlords are likely to require tenants to pay rent with checks. Additionally, some small businesses don’t accept credit or debit cards – and need checks that link directly to your bank account for payment. 

You’ll avoid convenience fees (common with electronic payments) and you’ll bump up some personal security, too. Cash and credit cards can be more easily stolen, but most banks and merchants will check for ID on personal checks. 

Personal checks are also great for your financial goals, especially if you’re looking to stay more disciplined with spending and budgeting. Credit cards can get out of hand, while checks give you direct visibility into your actual account balance – encouraging you to take tighter control over your personal financial health. 

Business checks

Simply put, business checks are a must-have if you own a business. 

Not only is it critical you keep your business and personal spending separate, business checks also convey that you’re a legitimate business that customers can trust. 

Just like with personal checks, business checks can help you avoid the costs of processing credit card payments (including the possibility of credit card chargebacks) – and you’ll also bypass the grey areas of cash transactions that are difficult to track. 

Above all, business checks – specifically laser checks – can transform your business in a powerful way. That’s why most businesses today choose laser checks to maximize their investments into existing accounting software like QuickBooks® and Peachtree®. As soon as you issue a laser check, the software does the heavy lifting – automatically tracking spending, maintaining vendor details, and creating insightful records – saving you time and money while giving you 24/7 access into your financial standing. 

There’s also customized manual business checks for on-the-go businesses that need a portable way to keep track of expenses.

Business checks are also fully brand-customizable and backed with the best security in the industry – especially since all Checksforless.com checks exceed the security guidelines set by the industry and by the Check Payments Systems Association.

Business checks vs. personal check options 

There’s so many options to make your checks exactly what you need. 

For your business checks, you can customize them with your logo, as well as custom fonts and colors to best to reflect your brand. 

Additionally, Checksforless.com has a 100% financial institution compatibility guarantee. Our state-of-the-art MICR matching system also ensures readability by all financial institutions. We guarantee your checks will meet or exceed industry bank processing standards, including Check 21 regulations, too.

And, for your personal checks – there are hundreds of designs to choose from. Adding to your personal style, you can also accent your checks with matching address labels, and a checkbook cover.

The ultimate one-stop destination for ALL your checking needs 

If you’re ready to order, visit us online at Checksforless.com or call us toll-free at 800-245-5775 to get started. While our Ultimate Business Checks Guide and FAQ page is a great place to check out more information, our teams of experts are always happy to help you with more specific questions you have along the way. We’re proud to offer a 100% satisfaction guarantee on all our checks, and we’re also happy to beat any lower price you find by 10%. Our quick turnaround time is 3-5 days with production – not including shipping time. We look forward to helping you with all your business and personal checking needs! 

If you’re ready to order your customized laser checks, customized manual business checks, and customized personal checks, contact us today!

This article 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®. Email or call us toll-free at 800-245-5775.

References:

https://www.nerdwallet.com/article/banking/what-is-a-personal-check

https://www.thebalance.com/endorse-a-check-to-your-business-315221