What Are Starter Checks and How Do They Work?

When a new checking account is established, financial institutions often provide a temporary set of checks. These initial checks, known as starter checks, allow account holders to conduct transactions immediately until personalized checks are delivered. They offer a basic way to access funds from a newly opened account.

Understanding Starter Checks

Starter checks are temporary documents issued by banks when a new checking account is opened. They lack pre-printed personal information, such as the account holder’s name and address. Instead, they feature a generic design.

The primary purpose of starter checks is to offer an immediate payment solution while a personalized check order is processed. While they contain the bank routing and account numbers, the account holder must manually write in their name and address for each use. Banks usually issue a small quantity of these checks, serving as a short-term convenience.

Using Starter Checks Effectively

Properly filling out a starter check involves several steps. The current date should be written in the designated area, followed by the full legal name of the person or entity receiving the payment on the “Pay to the Order of” line. The numerical amount needs to be entered in the dollar box, and the same amount written out in words below the payee’s name, ensuring accuracy. The check requires the account holder’s signature in the bottom right corner to be valid.

Starter checks are commonly used for initial bill payments, such as utilities or rent, and for setting up automated direct debits where the routing and account numbers are needed. However, some merchants and institutions may be hesitant to accept them due to the lack of personalization, which can raise security concerns or make verification more challenging. For instance, certain retailers might refuse them for larger transactions, as they are often associated with new accounts and potentially higher risk. It is important for account holders to meticulously track the use of these checks, noting check numbers and amounts, as they are a temporary solution.

Transitioning to Permanent Checks

Once starter checks are used or as soon as convenient, ordering permanent, personalized checks is the next step for ongoing financial management. These checks typically include the account holder’s name, address, and pre-printed check numbers, offering enhanced security and wider acceptance. Checks can usually be ordered directly through the bank, either online via their banking portal, through a mobile application, or by visiting a branch in person.

Alternatively, account holders can order checks from various reputable third-party check printing services, which often provide a wider selection of designs and potentially different pricing options. For ordering, essential information such as the bank account number, the bank’s routing number, and the desired starting check number will be required. Personal details for printing, including name and address, must also be accurately provided. It is always advisable to verify all entered information before finalizing an order. Delivery times for personalized checks can vary, typically ranging from a few business days to a couple of weeks depending on the vendor and shipping method selected.