Since the bank usually charges a fee for ordering new checks anyway, many people prefer to order their own legal checks through on line companies. The process is easy and is usually done on line, though you can also personalize your checks through some banks. After reordering, your new personal checks are usually delivered to you, though some companies will allow you to print your own legal checks. How does this work?

How to Buy Personal Checks

The process must begin legally, which means the company always has to contact your bank. The routing number is usually the number listed on the far left of the check and has 9 digits. This is the bank number and one that must always be included with every check transaction. The next number is the checking account number, which usually includes some zeros, and this number too must be communicated between the personal check making company and your bank. The next number is the check sequence number which may start with 1000, 1001 and so on.

Many companies have an online feature where you can check the routing number and see if the check order personal company does business with your bank. If everything is well, you can sign up online and get checks delivered to you, usually for a lower price than your bank would ordinarily charge.

Notes on Personal Checks Ordering

Shipping for personal checks can be delivered to your home and is secure and discreet. Payment options include Visa, Mastercard, AMEX and Discover Card and sometimes electronic debit payment, if the company accepts it. Some companies will insist that you order over the telephone and that you use a voided check or “specification sheet” as a guide when sending them your banking information. If your personal information rarely changes then you can also reorder your checks automatically online or over the phone. It's easy and fun to use your own personalized checks.