When ordering blank business checks, one of the most common questions business owners ask is: Should I choose top checks, middle checks, or bottom checks?

While all three formats contain the same banking information and perform the same function, the position of the check on the page can significantly impact printing convenience, bookkeeping efficiency, filing practices, and software compatibility.

Businesses using QuickBooks®, Sage, Microsoft Dynamics, and other accounting programs often select a check position based on how their accounting software prints checks. Choosing the wrong format can lead to alignment problems, wasted check stock, and printing frustration.

In this guide, we'll explain the differences between top, middle, and bottom checks, discuss the advantages of each format, and help you determine which position is best for your business.

Top Checks: The Most Popular Format

Top blank business checks are the most commonly used format for businesses throughout the United States.

With top checks, the negotiable document appears at the upper portion of the page while the vouchers are located below.

Many accounting software systems are configured by default to print top-position checks because they are widely accepted and easy to process.

Benefits of Top Checks

• Most common business format
• Compatible with many accounting systems
• Easy to review before signing
• Convenient for filing payment records
• Popular among small businesses

Businesses transitioning from traditional manual bookkeeping often find top checks familiar and easy to use.

If you're uncertain which position your software requires, top checks are frequently the safest starting point.

Middle Checks: Balanced and Efficient

Middle blank business checks place the negotiable check in the center section of the page.

A voucher appears above and below the check, creating a balanced layout that provides detailed payment information on both sides.

Many businesses appreciate this format because it creates organized documentation and provides clear remittance information.

Benefits of Middle Checks

• Excellent recordkeeping capabilities
• Voucher information above and below
• Professional appearance
• Popular with accounting departments
• Works well for vendor payments

Companies processing a high volume of invoices often prefer middle checks because they allow for more comprehensive payment documentation.

Bottom Checks: Ideal for Certain Software Applications

Bottom blank business checks position the negotiable check at the bottom of the sheet.

The payment stubs appear above the check, allowing users to review detailed transaction information before the check is detached.

Some accounting systems and payroll applications are specifically configured to print bottom-position checks.

Benefits of Bottom Checks

• Compatible with specific accounting software
• Easy review of payment details
• Efficient payroll processing
• Convenient for accounts payable departments
• Strong recordkeeping capabilities

Businesses should always verify software compatibility before ordering bottom-position checks.

Security Features Are Available in All Positions

One common misconception is that one check position is more secure than another.

In reality, top, middle, and bottom checks can all include the same advanced security features.

When purchasing checks, look for:

• Microprinting
• Artificial Watermarks
• Chemical Protection
• Security Screens
• Warning Bands
• Toner Adhesion Technology
• Prismatic Backgrounds

The position of the check does not affect security. Security depends on the quality of the check stock itself.

Which Position Is Right for Your Business?

The best check position depends on how your organization processes payments.

Choose Top Checks If:

• You want the most common format.
• Your software recommends top checks.
• You prefer traditional layouts.
• You are unsure which position to select.

Choose Middle Checks If:

• You need detailed remittance records.
• You process many vendor payments.
• You prefer balanced voucher layouts.

Choose Bottom Checks If:

• Your software specifically requires bottom checks.
• You run payroll frequently.
• You prefer payment details above the negotiable document.