If you are looking for a way to pay your bills, rent, or other expenses without using cash or credit cards, you might want to consider using a checkbook. A checkbook is a booklet of paper checks that you can use to make payments from your bank account. You can write the amount, date, and recipient of the payment on the check, and sign it with your name. The recipient can then deposit the check in their bank account or cash it at a bank or other location.
But where can you buy a checkbook? How much does it cost? And what are the benefits and drawbacks of using checks? In this article, we will answer these questions and more, so you can decide if a checkbook is right for you.
Where to Buy a Checkbook
There are several options for buying a checkbook, depending on your preferences and needs. Here are some of the most common ones:
Your bank or credit union. This is the easiest and most convenient option for buying a checkbook. You can order checks online, by phone, or in person from your bank or credit union. They will print your name, address, account number, and routing number on the checks, and mail them to you or let you pick them up at a branch. You can also choose from different designs and colors for your checks. The cost of ordering checks from your bank or credit union varies depending on the quantity and style of the checks, but it usually ranges from $10 to $30 per box of 100 checks.
A third-party check printer. If you want to save some money or have more options for customizing your checks, you can order them from a third-party check printer. These are companies that specialize in printing checks for consumers and businesses. You can find them online or in some retail stores. You will need to provide your name, address, account number, and routing number to the check printer, and they will print and ship the checks to you. You can also choose from different designs, colors, fonts, logos, and security features for your checks. The cost of ordering checks from a third-party check printer varies depending on the quantity and style of the checks, but it usually ranges from $5 to $20 per box of 100 checks.
A printable check template. If you want to save even more money or have more control over your checks, you can use a printable check template. This is a digital file that you can download from the internet or create yourself using a software program. You can then print the checks yourself using your own printer and paper. You will need to fill in your name, address, account number, and routing number on the template, as well as the amount, date, and recipient of the payment on each check. You will also need to sign each check with your name. The cost of using a printable check template depends on the cost of the paper, ink, and software that you use, but it usually ranges from $1 to $5 per box of 100 checks.
The Pros and Cons of Using Checks
Before you decide to buy a checkbook, you should weigh the pros and cons of using checks as a payment method. Here are some of the advantages and disadvantages of using checks:
Checks are widely accepted by many merchants and service providers.
Checks are safer than cash because they can be traced and canceled if lost or stolen.
Checks are cheaper than credit cards because they do not charge interest or fees.
Checks are convenient because they do not require an internet connection or a mobile device.
Checks are flexible because they allow you to pay any amount up to your available balance.
Checks are slower than cash or credit cards because they take time to clear and process.
Checks are riskier than cash or credit cards because they can bounce if