How To Set Up Business Checks For A New Bank Account
Everything you need to know about ordering business checks for a new bank account, including check formats, security options, business banking supplies, and common ordering mistakes.
Opening a new business bank account is an exciting milestone. Whether you're launching a new company, changing banks, or creating a separate account for a growing business, one of the first items you'll likely need is a set of business checks.
Ordering business checks may seem straightforward, but selecting the correct format, security level, style, and banking information is important to ensure your checks work properly and accurately represent your business.
This guide walks through the process of setting up business checks for a new bank account and helps you avoid common mistakes that can delay your order.
Opening A New Business Bank Account
When you open a business checking account, your bank will typically provide the information needed to order checks and related banking supplies.
Most businesses order checks shortly after opening their account so they can begin paying vendors, suppliers, contractors, service providers, and other business expenses.
Many companies also order deposit slips, stamps, and other banking supplies at the same time.
Information You'll Need Before Ordering
- Business Name
- Bank Name
- Bank Routing Number
- Bank Account Number
- Business Address
- Business Phone Number
- Starting Check Number
- Logo File (if applicable)
Verify Your Banking Information Carefully
Before placing an order, verify all banking information directly from your bank documents.
The routing number and account number printed on your checks must match your business bank account exactly.
A small error can result in delays, reorders, or unusable checks.
Taking a few extra minutes to verify information can prevent significant problems later.
Choose The Right Check Format
One of the first decisions you'll make is selecting a business check format.
The most common options include:
Top Checks
The check appears at the top of the page with stubs below. This is one of the most widely used formats for accounting software and general business use.
Middle Checks
The check is positioned in the center of the page. Some businesses prefer this layout because it provides balanced recordkeeping areas above and below the check.
Bottom Checks
The check is located at the bottom of the page with recordkeeping stubs above. This format remains popular among many businesses and accounting departments.
Manual Business Checks
Manual checks are handwritten and do not require accounting software or check printing equipment.
QuickBooks Compatible Checks
Designed specifically for QuickBooks and compatible accounting software programs.
Choose A Format That Matches Your Workflow
Top, middle, bottom, manual, and QuickBooks formats all serve different business needs.
Select A Security Level
Modern business checks are available in multiple security levels designed to help deter fraud and protect banking information.
Good Security
Provides essential fraud deterrence features suitable for many businesses.
Better Security
Adds additional protection features for businesses seeking enhanced security.
Best Security
Includes multiple advanced security technologies and is popular among businesses issuing larger payments.
High Security
Offers maximum available protection with multiple layers of fraud prevention features.
Businesses concerned about fraud often choose Best Security or High Security options.
Choose A Business Check Style
Today's business checks are available in a variety of professional designs.
Popular styles include:
- Marble
- Lattice
- Hologram
- Wave
- Prismatic Cube
Style affects appearance, while security level affects fraud protection. Businesses can typically choose both independently.
Consider Other Banking Supplies
Many businesses place a single order that includes additional banking products.
Popular additions include:
- Deposit Slips
- Deposit Books
- Deposit Bags
- Business Stamps
- Tax Forms
- Tax Form Envelopes
- Pressure Seal Products
Ordering everything at once can simplify setup and ensure you're prepared for daily operations.
Common Ordering Mistakes To Avoid
Incorrect Routing Number
Always verify routing information directly with your bank.
Incorrect Account Number
Double-check account numbers before approving your order.
Choosing The Wrong Format
Confirm compatibility with your accounting software before ordering.
Uploading A Low-Quality Logo
If adding a logo, provide a high-resolution file for the best printing results.
Selecting The Wrong Starting Number
Verify numbering preferences before production begins.
New Business Startup Checklist
- Open Business Checking Account
- Order Business Checks
- Order Deposit Slips
- Order Business Stamps
- Create Vendor Payment Process
- Establish Recordkeeping Procedures
- Review Security Requirements
- Prepare Tax Filing Supplies
Frequently Asked Questions
How long does it take to receive business checks?
Production times vary, but many imprinted business checks are completed within a few business days after approval.
Do I need a voided check?
Many businesses use a voided check when setting up vendor payments, payroll, or banking services.
Can I reorder later?
Yes. Most businesses reorder checks while continuing their existing numbering sequence.
Should I order deposit slips too?
Many businesses find it convenient to order deposit products at the same time as their checks.
Which security level should I choose?
The best choice depends on your business needs, payment volume, and fraud prevention goals.
Final Thoughts
Setting up business checks for a new bank account is an important part of establishing your financial operations. Choosing the right format, security level, style, and banking supplies can help your business start strong and operate efficiently from day one.
Whether you're launching a new company or transitioning to a new banking relationship, taking the time to select the right products can save time, improve organization, and support long-term growth.
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