What is a Counter Check | Counter Check | Best Financier

A counter check has a blank space for the account information provided by the customer. The banks typically issue these checks to those clients who have not received pre-printed checks yet and those who have no other ways of withdrawing money from their regular accounts. The counter checks trust handwritten account information, but many business institutions do not receive these checks as a form of payment due to the risk of fraud. So in this article, we will discuss all that is a counter check? And how does it work in detail?

What are Counter Checks?

What is a Counter Check

The counter-check is a type of check that does not have the name of the account holder, address, and account number.

People use counter checks when they run out of imprinted checks or before printing a new account.

Some banks can print a small number of counter checks with official account information, allowing the new account holders to get the funds in their regular accounts.

Description of Counter Checks

It is a blank check type, with no check number, account holder name, and address. Most counter checks lack a pre-printed account number on them but have the bank’s routing number on the bottom of the check.

Uses of Counter Checks

If the person lacks the check and needs one immediately, the bank can give him a counter check. The bank prints the client’s account number on the below line of the check, or the customer has to write this by himself on the check.

The bank typically gives its client a small book-the-counter check when a client opens a new checking account. There are five to ten counter checks in the counter checkbook. The customer’s account number and bank’s routing number are written on the checks, but there is no name of the customer and address written on the book.

How to Write a Counter Check?

For writing the counter checks, the following steps are necessary:

  • When a customer has to write the counter check, mention his name and address.
  • He should also write his phone number, driver’s license number, or social security number.
  • The client must choose the handwritten check number for each check at the top corner of the check.
  • When the customer opens a new checking account, the bank orders the official bank checks.
  • Now customers should use the new official checks and discard the remaining counter checks.
  • The official checks are a great option, as they have the customer’s name, and address. Account number, bank routing number, checking account number, and the sequential check number written on them.

Benefits of Counter Checks

What is a Counter Check
  • The main benefit of the counter check is that you can get the paper checks directly without waiting for an order or shipment of checks to receive.
  • You can quickly get the counter-check by visiting the bank.
  • The printing fee for the counter check is minimal, charged by the bank. You have to pay approximately 1$ to 2$ per check-in regular basis.
  • You can get the counter checks according to your need, and even you can take one review at one time and don’t have to wait for 50 checks.

Drawbacks of Counter Checks

Most merchants and retail places do not receive counter checks, as they are not official checks. But on the other hand, the utility companies and loan companies accept the counter checks for their payments.

Many counter-checks users think there is a high risk of accepting counter-checks because the person does not have a regular account yet.

Moreover, the banks can charge a printing fee of up to 2 $ per check, and the bank can only issue a few checks at a particular time. The merchants consider the risk of fraud in counter checks because the checks are written by hand.

Information Required for Counter Checks

What is a Counter Check

While opening a new account, personal information is required for the initial batch of checks. The counter checks have less data than regular checks; that’s why many retailers do not accept these checks. The form of payment done by the counter checks is legal because it contains all the necessary information.

The function of the counter check:

The bank issues a counter check to a customer who has opened a new account and needs a check to get the personal statement which is a time taking process. The banks consider the counter checks equivalent to the printed check.

Features of Counter Check

  • There is a nine-digit router number of the customer on the check, with the banking account number or checking account.
  • The name of the issuing bank and address is also mentioned in the check.
  • You have to write the date, and amount of check-in numerical value in the check.

Personal information:

  • There are lines in the check to fill up the personal information.
  • You are liable to give your name, phone number, and driver’s license number in this head.

Misconceptions about counter checks:

  • The main misconception about the counter check is that it is not similar to the printed personal checks.
  • If the counter check has a bank router number, bank’s name, and the account number of a specific bank, it is equivalent to a printed check.

Typical Uses of Counter Checks

  • You can use counter checks for paying bills, rent, utilities, and for making car payments.
  • The counter checks that do not have the check number will make the process proceed very hard.
  • The best way to use the counter check is to order the pre-printed checks having check numbers issued by the check design company or through any bank directly.

What is a Cashier Check?

What is a Cashier Check?

A cashier check is a check authorized by a bank, drawn on the bank’s funds, and signed by the cashier. The banks treat cashier checks as guaranteed funds because the banks, rather than the purchaser, are responsible for paying the amount. People need these checks for real estate transactions and brokerage transactions.

Working on the cashier check:

The cashier’s check is also known as the teller’s check. They are as good as the money in your bank. When the bank issues the cashier’s check, the bank can pay the amount printed on the check. When you purchase a cashier’s check, the bank will take money from your saving or checking account and put it in’s performance.

According to the Regulation CC of the federal reserve, the cashier’s checks are the same as guaranteed funds, and if the amount is below $5000, it does not come under the hold for a deposit, except for the new accounts.

Frequently Asked Questions

How does counter-check work?

Counter checks are likely to be printed for you by a teller or private banker. They have the bank details on them. As a result, their job resembles that of periodic checks. Your ABA routing number and bank details show at the bottom of every check-in in that familiar automated MICR type.

How to get counter checks?

To get the counter check visit your bank or credit union’s branch to request the counter check. Before you visit the branch, call and confirm that counter checks are available. Search for the process to get the checks or whether you have to visit any specific department.

How to fill out counter checks?

  • Write the date in the top corner at the right.
  • Write the payee’s name on the line next to the “pay to the order of.”
  • Then write the number of check-in numbers form in the box at the right.
  • Write the number of check-in words on the line under the payee line.

How to use fewer checks?

The process for using a fewer check is the same as you use the regular checks of banks.

What does counter-check mean?

A bank client may use a check to add their bank details and take money from their wallet. A bank client filling out a counter-check while withdrawing cash from their savings account is an example of a counter-check.

What is the distinction between a certified check and a cashier’s check?

The customer signs the certified checks, whereas the bank approves the cashier’s check. Actual bank checks, such as cashier checks and certified checks, all are provided by the bank. A certified check differs from a cashier check-in that a cashier check is written on a checking account, but a certified check is issued on the check writer’s competence.


So it was evident from the above information that if you plan to make a payment with any one of these checks, you should know that the merchants don’t rely on counter checks and do not accept these checks as a method of payment, even if there is printed information about you is mentioned.

The reason is that there is no check number written on the counter check, which is a strong indication for the merchants that the check they got is a counter check. Merchants are afraid that the account opened is new, and you are availing of the facility of counterfeit checks.