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Home > Business Check Ordering Guide > What’s the Difference Between Personal & Business Checks?

What’s the Difference between
Personal and Business Checks?

When it comes to personal and business checks, they are completely different entities. If you are curious about exactly how they are different, or if you can use personal checks for your business, read on to get the complete answer.

To help you understand all the differences between the check categories, we’ve put together this concise personal vs. business checks primer.

Business Checks vs. Personal Checks: A Quick Overview

Business checks: These checks are used solely for your business and come in two categories, described briefly below. If you want more details on our business checks, please check our Business Check Formats page for a comprehensive round-up of all our business check options and details.

  1. Laser checks: Ideal for businesses that want to maximize their investment into existing accounting software like QuickBooks and Sage, compatible computer (laser) checks automatically track spending, maintain vendor details, and create easy-access records, all saving time and money. Checksforless.com® ensures that our computer checks are 100% compatible with existing software in addition to being customizable for the business brand.
  2. Manual checks: Ideal for businesses that need a portable way to keep track of expenses, these manual checks are convenient and easy to use and come in a variety of styles and options such as the inclusion of vouchers. This is an ideal option for businesses on the go.
Personal Checks: Meant for personal use, these personal checks are connected to your personal bank account. These feature a host of fun design options that can be customized to your personality with hundreds of designs to choose from. You can also accent your checks with matching address labels and a checkbook cover.

Since we went into great detail about business checks in our Business Checks Formats page, here is a detailed look into our personal check options at Checksforless.com®:

Top Tear Personal Checks:

These “classic” checks are offered at a lower cost with exceptional value with plenty of unique styles to choose from. For more information and pricing, visit our Top Tear Personal Checks product page.

Top & End Stub Personal Checks:

Checksforless.com® offers a large selection of Top stub personal checks and an End Stub personal check. We offer the highest quality checks that are guaranteed to work with your bank. For more information, visit our Top & End Stub Personal Checks product page.

Deskset Personal Checks:

The Deskset personal checks are great for both personal and professional use. Our selection of safety checks are ideal to track expenditures. They come three to a page, are designed to fit a 7-ring binder, and come in a variety of colors. For more information, visit our Deskset Personal Checks product page.

Accessories: Personal Check Covers:

Here you can choose from our wide variety of high quality checkbook covers to compliment to your personal checks and style in three options:
  • Debit Card Covers
  • Leather Personal Check Covers
  • Vinyl Personal Check Covers
For more information, visit our Personal Check Covers product page for details.

Debit Card Covers

Leather Personal Checks Covers

Vinyl Personal Check Covers

Should You Use Personal Checks for Your Business?

Now that you have seen the difference between business checks and personal checks, you know they are different, but still may wonder if you can use your personal checks for your small business. The answer is while you technically can use a personal check for your professional business, you really shouldn’t. Here’s why it’s considered best to keep your business and personal checking separate.

Professional Credibility:
When you hand over your business check to someone, you want it to convey the fact that you have an authentic business. With your check’s professional appearance (logos, colors), you are communicating that you are a trusted source to do business with. If you hand over a personal check that is filled with colors, cute graphics, and your personal information, your professional credibility would almost certainly take a hit.

Enhanced Security:
Business checks generally have more and better security features than personal checks. Business check security is extremely important to Checksforless.com® – and your peace of mind. That’s why we offer superior security and safety features backed by our guarantee that your checks will meet or exceed all financial industry and banking processing standards, including Check 21 regulations. All Checksforless.com® checks exceed the security guidelines set by the industry and by the Check Payment Systems Association. For more informationon our commitment to business check safety, please feel free to check out our Business Check Security Features page.

Business Check

Business checks have more features specific to your business needs: Your business needs specific functionality that your personal checks cannot provide. Our Business Check Formats details this more in depth about our offerings.

Compatibility with accounting software: If your business already has existing accounting software in place, such as QuickBooks, Sage, or other small business automated accounting programs, you need business laser checks to maximize your investment. If you want to learn more about accounting software/check compatibility, visit our informative How to Choose Software Compatible Business Checks article.

Separate (and clean) finances: Books and legal situations can get very complicated if personal and business finances become comingled. For instance, as a worst-case scenario example, your business should be a clearly defined separate entity, like an LLC, to protect yourself if your business goes bankrupt so your personal assets will not be claimed. And, even without a bad situation like bankruptcy, you can run into some problems if you are mixing up the two bank accounts.

A smooth tax time: Along the same lines, having separate personal and business checks makes tax filing easier. If you run a home-based business and you do not have a separate business checking account, you may have a hard time convincing the IRS what your business versus your personal expenses are and that is not a headache you want to deal with. Keep it all separate!

Order All the Personal and Business Checks You Need Today!

Armed with the knowledge of the difference between business checks and personal checks, you know exactly how to use them separately for your personal and business needs.

While you will use your personal and business checks in different places, you can order them both right here at the same place at Checksforless.com®!

We are proud to offer a 100% satisfaction guarantee on all our checks, and we are 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. If you need your order faster than our standard delivery time, you may choose from our expedited in-plant rush services and expedited shipping services or talk to us directly.

Order online at Checksforless.com® or call 800-245-5775 toll-free to get started. While our FAQ page is a great place to check out more information at a quick glance, our expert customer service team is always happy to answer any questions you might have. We look forward to helping you with all of your business and personal 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®.

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