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Checks Still Matter: Why Paper Isn't Obsolete

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  Published in Business and Finance on Friday, January 23rd 2026 at 17:02 GMT by Impacts
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Why Checks Still Matter

The convenience of digital wallets and online transfers is undeniable, but checks offer distinct advantages that haven't disappeared. Security remains a key factor - while fraud prevention in digital systems has improved, the tangible nature of a check offers a level of control sometimes lacking in purely electronic transactions. The physical record checks provide is invaluable for accounting and audit trails, particularly appreciated by small businesses and freelancers needing meticulous expense tracking. Furthermore, while rarer, some vendors, particularly in specific industries like real estate or construction, may still prefer checks.

Navigating the Check Ordering Landscape

The options for ordering checks have evolved. Traditional banks remain a viable option, often bundled into banking packages, but increased competition has driven online retailers and specialized providers to offer compelling alternatives.

• Banks: Still offer convenience, especially for existing customers, but often at a premium price.
• Online Retail Giants: Platforms like Amazon and Walmart have streamlined the ordering process, leveraging their existing logistics networks for fast and competitive pricing. Customization options, while present, are generally limited.
• Specialized Providers (CheckAdvantage, Deluxe, and Emerging Competitors): These companies often feature advanced customization capabilities, allowing for personal logos, intricate designs, and even integration with accounting software. Companies like CheckAdvantage offer features like checkbook reconciliation tools, becoming more than just a check supplier.
• Subscription Services: A growing trend involves check ordering subscription services, which automatically reorder checks based on usage patterns, eliminating the need for manual ordering. These services often integrate with accounting software, automating the entire process.

When selecting a provider, consider not just price, but also shipping speed, design options, customer reviews (particularly focused on data security), and any offered value-added services. The ease of integration with accounting software is a significant factor for businesses.

Check Types: Choosing the Right Format

The choice of check type depends on specific needs:

• Standard Checks: Suitable for general transactions.
• Duplicate Checks: Essential for businesses and individuals who prioritize meticulous record-keeping, offering a carbon-copy record.
• Counter Checks: Ideal for businesses, pre-printed with business information for professional presentations.
• Personalized Checks with Embedded Security Features: Newer options now include features like microprinting, security patterns, and even QR codes linked to transaction records, offering enhanced fraud protection.

The Modern Ordering Process

Ordering checks online is typically simple. However, due diligence is critical.

1. Provider Selection: Choose carefully, prioritizing security and features.
2. Secure Data Entry: Accurate routing and account numbers are essential.
3. Design Personalization (Optional): Customize your check design, ensuring readability and a professional appearance.
4. Order Review and Completion: Double-check all details before finalizing the purchase.
5. Secure Delivery: Expect delivery within a few business days. Tracking options are now standard.

Bolstering Check Security in 2026

Security concerns remain paramount. The rise of sophisticated fraud techniques requires constant vigilance.

• HTTPS and Encryption: Always use providers with secure (HTTPS) websites.
• Two-Factor Authentication (2FA): Many providers now offer 2FA for added account security.
• Biometric Verification: Some advanced check ordering services are exploring biometric verification methods for order placement.
• Data Encryption at Rest and in Transit: Ensure providers use robust encryption protocols.
• Account Monitoring: Regularly review bank statements and transaction history for any discrepancies. Many banks now offer real-time transaction alerts.
• Secure Disposal: Shred unused checks with a cross-cut shredder.

Proactive Check Inventory Management

Avoiding check shortages and maintaining security require proactive management.

• Usage Tracking: Monitor check usage to anticipate reordering needs. Automated tracking is now common with subscription services.
• Automated Reordering: Consider subscription services for hassle-free check replenishment.
• Secure Storage: Keep checkbooks in a locked drawer or safe.

Conclusion: Checks in the Digital Age

While digital payments are dominant, checks retain a crucial role in personal and business finance. By understanding the nuances of check ordering, prioritizing security, and embracing available technological advancements, individuals and businesses can confidently manage checks, ensuring both convenience and peace of mind. The future likely holds even more integration between checks and digital platforms, further solidifying their continued relevance in the years to come.