Let's be honest: you might not be familiar with writing a regular check, let alone a counter check. But even though they may seem outdated, there are times when this type of check comes in handy—like when you're in a rush, out of traditional checks, or simply need a one-time option.
So, what is a counter check, exactly, and how does it differ from the regular checks you order from your bank? In this article, we'll cover everything you need to know about counter checks, including a guide on how to fill out a temporary check correctly.
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What are counter checks?
Also known as blank checks, counter checks are essentially temporary checks that you can request at your bank. Unlike pre-printed checks with your name and address, counter checks are typically blank, allowing you to fill in details like date, payee and amount.
How does a counter check work
Counter checks can be used to withdraw funds, pay bills, or make purchases just like regular checks. However, while regular checks are part of a checkbook and can take time to receive, counter checks are typically printed on-demand for customers who need a check immediately.
They also differ from cashier’s checks, which are backed by the bank and drawn from the bank’s funds. Counter checks, drawn from your personal account, are usually free or incur a small fee, making them a more cost-effective option compared to cashier’s checks. But they don’t offer the same level of security as cashier’s checks, which are often used for larger or more formal transactions.
Pros of a counter check:
- It can be used for various purposes like paying bills or making purchases, similar to regular checks.
- It is available on the spot, unlike ordered checks that take several days to arrive.
- It can be more cost-effective than other options, such as cashier’s checks, which often come with higher fees.
Cons of a counter check:
- It might not be accepted by some businesses due to concerns about fraud or the lack of an official look.
- Its cost varies; some banks offer them for free, while others charge per check or per set. Check with your bank for details.
- It does not include your name or address, which could cause confusion or raise concerns about authenticity.
What are counter checks used for?
If you can plan ahead, ordering regular checks might be a better choice—they’re more widely accepted and offer a bit more security for both you and the recipient. They also look more professional, which can be important when paying businesses or people you don’t know well.
But there are times when a counter check might be more convenient:
- You're out of personal checks: A counter check allows you to complete the payment without waiting for a new checkbook order to arrive.
- You don’t own a checkbook: Even if you don't typically use checks and therefore haven't ordered a checkbook, you can still access counter checks when needed.
- You need to make an emergency payment: Counter checks are quite useful if you’re away from home and don’t have access to your checkbook.
- You're traveling and forgot your checkbook: A counter check from a nearby branch of your bank can save the day, allowing you to issue a payment without having your checkbook on hand.
- You're closing an account: If you need to withdraw all remaining funds or transfer them to another account, you can use a counter check to withdraw the exact amount left, ensuring that the account is properly closed and all funds are accounted for.
- You're making a large purchase that requires payment by check: If the seller requires a check instead of electronic payment or cash, and you don’t have a personalized check, a counter check lets you complete the payment while providing the necessary banking details.
- You're meeting bank requirements: Some bank transactions, such as opening a new account or making a wire transfer, might require a check for processing fees or initial deposits. A counter check can be used in these cases because it gives you the necessary banking details without needing a personalized check.
- You want to avoid fees for cashier’s checks: A counter check provides a lower-cost alternative for payments where a personal check isn’t available or practical.
How to get a blank check from your bank in 5 steps
Can you get a blank check from your bank? Yes, just follow these steps:
- Visit your bank branch: Not everything can be done through the computer! You’ll need to visit a branch in person to request a counter check.
- Provide your personal information: The bank will need your account number to print the counter check. They may also ask for identification to verify your identity.
- Determine how many do you need: You can usually request as many counter checks as you want, although some banks may limit the number you can get at one time. Can you get a single check from the bank? Yes, there is no minimum amount.
- Pay any associated fees: Some banks charge a fee for providing an over counter check. Be sure to ask about any costs before you request them.
- Fill out the check: Once you have the temporary check, you’ll need to fill in all the necessary details, including the date, payee, and amount. (More information on this will follow.). Don’t forget to sign it before handing it over.
Counter checking: Your user guide
Using a counter check is relatively straightforward. Once you’ve filled out the blank check, you can use it just like any other check. The recipient can cash it or deposit it into their account, and the bank will process it using the account and routing numbers printed on it.
However, since counter checks lack personalized details, they might face more scrutiny from recipients. Some businesses may be hesitant to accept them, fearing the risk of fraud. This is something to keep in mind if you plan to use a counter check for a significant payment.
Also, because counter checks are filled manually, they come with a higher risk of errors. It's important to know how to fill out a temporary check correctly and double-check all information to avoid any issues. Don't worry, though; we'll help you with that.
How to fill out a counter check (example for each component!)
Filling out a counter check is similar to filling out a standard check, but with a few extra components:
Date
Write the date in the top right corner of the check. This is essential for the check's validity.
Example: 08/15/2024
Payee
Enter the name of the person or business you’re paying on the line labeled “Pay to the Order of.” This specifies who is authorized to cash or deposit the check.
Example: John Doe
Amount
Write the payment amount in numerical form in the small box to the right of the payee line. Then, write the amount in words on the line below the payee’s name.
Example:
- $150.00
- One hundred fifty and 00/100
Signature
Sign your name on the line in the bottom right corner of the check. The check is not valid until it is signed.
Memo (optional)
If you want to note the purpose of the payment, write it on the memo line. This can be helpful for personal record-keeping.
Example: August Rent
Your bank will print the routing number on the check, so you don’t need to add it yourself. This nine-digit code identifies your bank and ensures the check is processed correctly through the banking system.
The check will also include your bank account number, which links the check to your specific account. This is essential for making sure the funds are withdrawn from the correct account.
Alternatives to counter checks
While counter checks can be useful, they’re not the only option available.
Personalized checks
Personalized checks are custom-printed with your name and account info, offering a more professional and secure option. If you don’t need a check immediately, ordering these from your bank or a third-party provider might be a better choice.
Certified checks
For large payments or transactions that require guaranteed funds, this is a safer alternative. These checks are backed by the bank and ensure that the funds are available.
Money orders
They are a prepaid form of payment that can be purchased at banks, post offices, and some retail stores. Money orders are widely accepted and provide a secure way to make payments without using a personal check.
Cashier’s check
Can a bank write a check for you? Yes. This service is typically referred to as a cashier’s check or a bank draft. A cashier’s check is a check issued by the bank using its own funds, guaranteeing the payment.
Electronic payments
Many banks offer options such as online bill pay or wire transfers, which allow you to make payments without writing a check at all. These methods are fast, secure, and often more convenient than using paper checks.
Debit and credit cards
For most everyday purchases, using a debit or credit card is more convenient than writing a check. Cards are widely accepted and offer added protections, such as fraud monitoring.