How to Make Checks Computer: A Step-by-Step Guide

This guide walks you through creating printable checks on your computer, a practical skill for managing personal or small business finances from home. You’ll learn how to set up a check template, input payment details, and print a valid check using standard check stock or plain paper. Before you start, ensure you have a printer, check paper (or regular paper if you’ll manually deposit), and your bank account and routing numbers handy.

What You’ll Need

A computer with a word processor (like Microsoft Word, Google Docs) or a PDF editor.
A printer (inkjet or laser) with ink or toner.
Blank check paper (pre-printed with your bank details) or plain white paper (if you’ll write the bank details manually).
Your bank account number and routing number (found on your existing checks or bank statement).
Your bank’s address and your own address (for the top-left corner).
Optional: a check-signing stamp or a pen for signing.

Step-by-Step

Open your template software. Start a new document in Microsoft Word, Google Docs, or any other word processor. Alternatively, use a dedicated check-writing software if you have it.
Set up the page size. Go to Page Setup (or Layout) and set the page size to match your check paper. Standard business checks are 3.5 x 8.5 inches (or 6 inches for wallet-size). If using plain paper, keep it as Letter (8.5 x 11).
Design the check layout. Create a table or use text boxes to position the elements. At minimum, you need:
- Your name and address (top-left).
- Date line (top-right).
- Payee line (“Pay to the order of”).
- Amount in numbers (box on the right).
- Amount in words (line below payee).
- Memo line (bottom-left).
- Signature line (bottom-right).
Add your bank details. In the top-left, include your bank’s name and address. In the bottom-left, you’ll typically have a MICR line with your routing and account numbers. If using plain paper, you can type these numbers in a standard font (like Arial) or leave a space to write them manually.
Input the check details. For each check, fill in the date, payee, amount (both numeric and written), and memo. Be precise: write the amount in words exactly matching the numeric amount (e.g., “One hundred twenty-five and 50/100”).
Print the check. Load your check paper into the printer correctly (usually face-down for top-feed printers). Print a test on plain paper first to align the layout. Once aligned, print the final check.
Sign the check. After printing, sign the check in ink. If you’re using a signature stamp, apply it carefully. The check is not valid without a signature.
Record the check. Keep a copy or log the check number, date, payee, and amount in your check register or accounting software.

Common Mistakes

Incorrect alignment: Printing on pre-printed checks with misaligned text can make the check look unprofessional or hard to read. Always test on plain paper first.
Mismatched amounts: If the numeric amount and written amount differ, the written amount is legally binding. Double-check both.
Using the wrong MICR font: If you’re printing the routing/account numbers, they must be in a special magnetic ink font (like MICR E-13B) for banks to process them. Regular fonts may not be readable by scanners.
Forgetting to sign: An unsigned check is invalid. Make it a habit to sign immediately after printing.
Using plain paper for a physical check: While you can write a check on plain paper, many banks and retailers require security features (watermarks, microprinting) to prevent fraud. Use check stock for best results.

Tips

Use a template: Many word processors have built-in check templates. Search for “check template” in the template gallery to save time.
Protect against fraud: Use a gel pen or a pen with permanent ink for signing. Avoid erasable ink.
Keep a digital copy: Scan or photograph each printed check for your records, especially for business expenses.
Order check stock: If you plan to print checks regularly, order blank check stock with your bank details pre-printed. This ensures compatibility with banking scanners.
Update your register: Record the check immediately to avoid overdrafts.

Troubleshooting

Text is misaligned: Adjust the margins in your document. Measure the distance from the edge of the paper to the fields on a pre-printed check and match those in your template.
Printer jams or smudges: Ensure you’re using the right paper type setting. If smudging, try a different printer or let the ink dry longer before handling.
Bank rejects the check: If the MICR line is unreadable, the bank may reject it. Use a MICR font or order pre-printed checks. Also, ensure the routing number is correct.
Amount in words is too long: If the written amount doesn’t fit on the line, you can write “and 00/100” or use a smaller font, but keep it legible.
No template available: Create your own from scratch using a table. Search online for “check layout dimensions” to get exact field positions.

Frequently Asked Questions

Can I print checks on regular paper?

Yes, but it’s not recommended for mailed checks or those deposited at an ATM. Banks may reject them due to lack of security features. For personal use, it can work if you write the MICR line manually.

Do I need special ink for the MICR line?

Yes, the MICR line (routing and account numbers) must be printed with magnetic ink (toner) or in a specific font. Most laser printers use toner that is magnetic enough. Inkjet printers may not be compatible.

Can I create checks in Excel?

Yes, you can create a check template in Excel using cells and borders. It’s more cumbersome than Word but works for simple layouts. Just ensure you set the print area correctly.

How do I void a check?

Write “VOID” across the front in large letters, but do not cover the MICR line. Keep a copy for your records. This is often used for direct deposit setup.

Is it legal to print my own checks?

Yes, it’s legal in most places as long as the check contains all required information and is signed. However, your bank may have specific requirements; check with them first.

What if I make a mistake on a printed check?

Do not use correction fluid. Tear up the check and print a new one. If you need to correct a mistake, write a new check and void the old one.

General steps for current mainstream versions; menus can differ by device and version. See the disclaimer or report an error.

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