What is a Counter Check

A counter-check has a blank space to hold the customer’s account information. These checks are typically issued by banks to clients who have not yet received pre-printed checks or who do not have any other means of withdrawing money from regular accounts.

Counter checks trust handwritten account information. However, many business institutions don’t receive these checks due to fraud risk. In this article we will explain what a counter check is. What is the process?

What is Counter Check and what are its benefits?

A counter-check is a type check that doesn’t have the account holder name, address and account number. Counter checks are used when there is a shortage of imprinted checks, or to print a new account.

A small number of counter checks can be printed by banks with information about the account. This allows the account holders to access the funds from their regular accounts.

It is simply a blank check type without a check number, address, or account holder. Most counter checks lack a pre-printed account number but have the bank’s routing number on the bottom of the check.

What are Counter Checks?

Counter checks, as previously mentioned, are blank checks without the account holder’s name and address imprinted at the top and, sometimes, without the account number. Counter checks are used when a person with a checking account runs low on stamped checks. Additionally, they are used by account holders who have not yet had checks written for their accounts.

If the client does not have a check, the bank will issue a countercheck. The client’s account number is either printed by the bank on the check’s bottom line or must be handwritten by the client.

How do you write a counter check?

The following steps must be followed in order to write counter checks:

  • Mention your name and address when a customer writes a counter-check.
  • He should also write his phone number, driver’s license number, or social security number.
  • The check must be signed by the client at the top of the check.
  • The bank orders official bank checks when the customer opens a checking account.
  • Customers should now use the new official checks.
  • The official checks are great, as they have the customer’s name and address. The official checks have the customer’s name and address, as well as their account number, bank routing numbers, checking account numbers, and the sequential number of each check.

Pros & Cons of Counter Checks

The Pros & Cons of counter checks have been highlighted in the table below.

Pros Cons
The paper checks can be obtained immediately without the need to wait for a shipment or order.   Counter checks are not required for most merchants or retail outlets.
The counter-check can be quickly obtained by going to the bank.   Many users of counter-checks think that there is a high likelihood of the person accepting counter-checks since they do not have a regular bank account.
The printing fee for counter-checks is minimal. Banks may charge printing fees of up to 2$ per check
You can have the counter checked according to your requirements  

Information needed for Counter-Checks

For the initial batch checks, personal information must be provided when opening a new bank account. Counter checks are less detailed than regular checks, and many retailers won’t accept them. Because it includes all information, the counter-check payment is legal.

Function of the Counter-Check

A bank will issue a counter-check to customers who have opened new accounts. This is to ensure that the customer has a personal statement. This can take some time. The counter checks are equivalent to the printed check.

Check the Features

  • A nine-digit routing number is printed on the check by the customer, along with either the checking or banking account number.
  • The issuing bank’s name and address are also mentioned in the check.
  • In the check, you must include the date and the amount of the numerical check-in value.

Information about you:

  • You will find lines to complete the personal information.
  • You are liable to give your name, phone number, and driver’s license number in this head.

There are many misconceptions about counter-checks

  • The counter check is different from personal checks printed in paper.
  • 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.

Counter-checks: What are the Common Uses?

  • Counter checks can be used to pay rent, bills, utilities, and car payments.
  • It will be very difficult for counter-checks without the check number to proceed.
  • You can use the counter-check best by ordering pre-printed checks with check numbers issued either through a check design company or directly from a bank.

How to spot a Countercheck?

In the current day, a personal check produced separately by the teller with all of the client’s bank details is often referred to as a “counter check.” If the client forgot his chequebook or ran out of checks, this may be used as a standard check. The holder of counter checks must pay a small amount in some cases as they are not a very common service.

How to defend against a counter-check

The following are ways to defend against a Counter Check:

How to Defend Against a Counter Check

Personal Check vs. Cashier Check: Counter Check

Below you will see the distinctions between these checks.

Counter check   Cashier Check Personal Check  
A counter check is a blank check you may receive from the bank.   A cashier’s check uses the bank’s resources instead of the account holder’s.   Personal checks can deduct money from your bank account.  
It’s a payment method that ensures sufficient funds to cover the check for the receiver. The individual seeking the cashier’s check must first furnish the bank with sufficient funds to satisfy the check amount.   If the personal check you are giving someone is not insufficient funds, it will be rejected.  
Counterchecks are possible at the bank. Payees can receive prompt and reliable payment while using cashier’s checks. Cashing a personal cheque is best done at the bank that it was originally written.  
Counterchecks are signed by the account holder.   The bank staff signs the cashier’s checks.   The account owner signs personal checks.  
Since it lacks your name and address, it is less formal than a cashier’s or personal check.   It is very official because it contains important security information.   It contains important security information such as your name and address. Therefore, it is quite official.  

Tips for improving your counter-checking abilities

The following methods can help you improve your Counter-Checking Abilities:

  • Post a sign indicating your collaboration with your establishment’s attorney general’s office. This will alert dishonest check-writers, and it may also help your loyal, honest customers to be more aware of your practices.
  • To verify identity, a photo ID is required. When the counter check was issued and approved, the writer’s social security number, driver’s license number, and birthdate had to be put on the check’s face. Ensure the check’s author didn’t write their identification on the document. Another method to recognize the check later—necessary for prosecution—is if your handwriting is present on it.
  • If the identity of the countercheck is not the same as the name of the person who performed the check, you should not acknowledge it.
  • Consider the possible benefit and the loss of each countercheck.
  • Be extra cautious on weekends and holidays. This can lead to employees being preoccupied, which could make it difficult for skilled and poor countercheck writers.

Most Frequently Asked Questions

How can I get counter checks?

To get the counter check visit your bank or credit union’s branch to request the counter check. Call the branch to confirm counter checks are available before you go. Find out how to get checks and whether you will need to visit any particular department.

How do I fill in counter checks?

  • The date should be written in the upper corner to the right.
  • Write the payee’s name on the line next to the “pay to the order of.”
  • In the box to the right, enter the number of check in numbers.
  • In the box below the payee line, write the number of check in words.

What does counter-check mean?

A check can be used by a bank client to add bank details or withdraw money from their wallet. Counter-checks are when a client of a bank fills out a counter check to withdraw cash from their savings accounts.

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. The bank provides actual bank checks. These include certified and cashier bank checks. 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.

This is because there is no check number on the counter-check, which indicates to merchants that it is a counter-check. Merchants fear that your account is new and they are able to use counterfeit checks.

Expert Opinion

In this day and age of instant access, checks don’t sit well. When you run out, you’ll need to buy more so they can be printed with your information and sent weeks in advance. In a rush, you could run out of checks and have to buy more. Your bank will usually be able to provide quick counter checks to meet short-term needs.

Counter checks can be printed by a personal teller or banker. Counter checks work in the same manner as regular checks but will include information about you account. Some banks might also include your address and name. Counter checks are generally rather straightforward, and store owners can tell when you’re employing one. These tips can also be helpful.

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