What Is a Starter Check and How Do You Use One?

A starter check provides a temporary solution for immediate payments after opening a new bank account, bridging the gap until personalized checks arrive.

What is a Starter Check?

A starter check is a temporary paper check provided by a bank when a new checking account is established. Unlike standard personalized checks, starter checks typically lack pre-printed personal information like the account holder’s name and address. They include the bank’s routing number and the new account number, essential for processing transactions. These checks are a stop-gap measure, providing immediate access to funds before a customized checkbook arrives. They often have a very low check number, sometimes starting at 001, or may not have a pre-printed number at all, indicating their temporary nature.

Starter checks are printed on standard paper, differing from the specialized security paper used for permanent checks. Banks provide these checks so customers can conduct essential transactions, such as paying initial bills, without waiting for a full order of personalized checks, which can take several business days to arrive.

How to Use Starter Checks

Properly filling out a starter check requires attention to detail to ensure it processes correctly. Begin by writing the current date on the designated line, typically in the upper right-hand corner. Next, on the “Pay to the order of” line, clearly write the full name of the person or organization receiving the payment. It is advisable to use a specific name rather than “cash” for security.

In the small box to the right of the payee line, write the payment amount in numerical form, such as “$150.75.” Immediately below that, write out the same amount in words on the long line provided, ensuring accuracy and filling the entire space to prevent alterations. For amounts with cents, write the cents as a fraction over 100, for example, “One hundred fifty and 75/100.” The memo line, though optional, allows for a brief description of the payment’s purpose, aiding in record-keeping.

Finally, sign the check on the signature line in the bottom right corner, using the signature on file with your bank to authorize the payment. If the starter check does not have your personal details pre-printed, manually write your name, address, and phone number in the upper left corner.

Limitations and Ordering Permanent Checks

Starter checks come with certain limitations due to their temporary nature. Banks typically provide only a small quantity, often five to ten checks, not intended for long-term use. Their lack of pre-printed personal information, such as your name and address, and their low check numbers can sometimes raise security concerns for merchants or institutions. While many businesses accept them, some may require additional identification or might be hesitant to process them, particularly for larger transactions, due to the perceived risk of a new account or potential fraud.

To address these limitations, ordering permanent, personalized checks is important. Account holders can typically order checks directly through their bank or credit union, either online, by phone, or in person at a branch. Many financial institutions offer standard check styles, and some may provide the first order of checks for free or at a reduced cost. Alternatively, numerous reputable third-party check printing services are available online, often offering a wider variety of designs and potentially lower prices. Personalized checks offer enhanced security features like microprinting, watermarks, and unique designs, which are harder to replicate than basic starter checks. They also provide consistent check numbering, assisting in financial record-keeping and reconciliation.