Pre-Printed Checks vs. Blank Check Stock

Author: Source Technologies

Making a switch from pre-printed checks to blank checks can save your business up to 82% on internal processes and paper costs. 

Adding MICR Printing Solutions can virtually eliminate the expenses associated with purchasing, storing, distributing and tracking pre-printed check stock. A laser MICR printer solution utilizes blank check stock, offering immediate, significant savings on paper costs alone.


What is the Difference Between a Pre-Printed Check and Blank Check?

A pre-printed check and a blank check are different in many ways. A pre-printed check already has certain data items pre-printed on the check where the blank check does not. 

With a pre-printed check, the teller receives the checks from the vault at the beginning of the day to be used during the operating hours. When a check needs to be issued to a customer, the teller will typically use a dot matrix printer or other non-secure printer to print the data on the check. This entire process takes 8-9 minutes to print pre-printed checks. 

With blank check stock, you can print variable data, static data, and MICR line items in a matter of seconds by using a MICR printer. This on-demand check printing solution will allow your branch to eliminate the risk of fraud and improve bank processes. 

Cost Savings to Switch from Pre-Printed Checks to Blank Checks

For every $100 a company spends to purchase a case of pre-printed checks, an additional $15 is spent on paper waste, and pre-printed checks are often thrown out when static data edits are made. Count on an additional $18 to secure and distribute the checks, compared to just $22 to purchase blank check stock, with only $1.98 additional cost for inventory and distribution. 

Since the check stock is blank, it doesn’t become a “live” check until it’s printed on, and there is no need to worry about keeping it under lock and key. It simply does not warrant the same level of security required for pre-printed checks, and there is a great deal of cost savings – and fraud prevention. Here is a blank check vs. pre-printed check comparison breakdown:

Check Stock
(Per Case)
Pre-Printed Check Stock Blank Check Stock
Form Acquisition Cost $100.00 $22.00
Waste $15.00 -
Inventory / Distribution $18.00 $1.98
Per-Form Total $133.00 $23.98
% Reduction   82%


To get started with blank checks and MICR printing solutions, contact Source Technologies to print secure checks on-demand. 

Editor’s Note: This article was originally published on November 1, 2017, and it has been updated on June 8, 2020.