Print Checks with MICR Number on Blank Check Paper
Use any regular laser or inkjet printer. Design your check, add the MICR line routing number, account number, and check number and print on blank check stock. Mail via USPS or FedEx, or send as an eCheck, without leaving your desk.
OnlineCheckWriter.com- Powered by Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank and Lincoln Savings Bank.
The Numbers at the Bottom of Every Check, Explained
The row of numbers printed along the bottom of a check is called the MICR line short for Magnetic Ink Character Recognition. It has been the standard for automated check processing in U.S. banking since the 1950s and is required by the Federal Reserve on all checks treated as cash items.
⑆ 021000021 ⑆ ⑈ 1234567890 ⑈ 1042
Routing Number
9-digit ABA number identifying your bank or credit union. Enclosed between transit symbols (⑆).
Account Number
Up to 17 digits identifying the specific account. Enclosed between on-us symbols (⑈)
Check Number
3-4 digits matching the check number in the upper-right corner. Used for reconciliation and fraud prevention.
$1M+
Business Accounts
20M+
$91B+
Transaction Volume
80%
Check Cost Savings
Do You Need a Special MICR Printer?
This is one of the most common questions businesses ask. The short answer: with OnlineCheckWriter.com, you do not need a dedicated MICR printer for most use cases.
Pre-Printed Check Stock + MICR Printer
- Requires expensive dedicated MICR printer hardware
- Must purchase special MICR toner cartridges
- Pre-printed checks must be re-ordered every time your bank details or address change
- Unused check stock becomes wasted inventory after any account change
- High per-check cost, especially for lower-volume users
- Delivery wait of 7–14 business days for new stock
Any Regular Printer + Blank Check Paper
- Print from any standard laser or inkjet printer you already own
- Blank check paper is widely available at office supply stores
- Change bank details or address instantly no re-ordering required
- Print only what you need, when you need it no wasted stock
- Manage multiple bank accounts and entities from one platform
- No waiting print and mail within minutes of creating your check
Print Checks with MICR Number in 4 Steps
From blank check paper to a ready-to-process check in minutes
Connect Your Bank Account
Link any U.S. checking account Bank of America, Wells Fargo, local credit unions, or any institution. Your routing number, account number, and check sequence are stored securely.
Design Your Check
Use the drag-and-drop editor to add your company logo, choose a layout, enter payee details, and set the payment amount. The MICR line is generated automatically.
Load Blank Check Paper
Place blank check stock paper (available at any office supply store) into your regular laser or inkjet printer. No special hardware required.
See The Interactive Demo ⬇
Three Ways to Get Your Check There
Whether you want a physical check in the mail or an instant digital payment, every option includes the correct MICR line and is accepted by U.S. banks.
Print It Yourself
Print on blank check paper using your own regular printer. Full control over timing, quantity, and format. Print one check or hundreds in a batch.
Mail via USPS or FedEx
Skip the printer entirely. Enter your payee’s mailing address, click send, and the platform prints, folds, stuffs, and mails the physical check on your behalf via USPS First Class or FedEx.
Send as an E-Check
Deliver a one-time-printable PDF check via email or text. The recipient receives it in seconds, prints it on their end, and deposits it through their bank.
Everything You Need to Manage Check Payments
OnlineCheckWriter.com is an all-in-one payment platform built for businesses that still rely on checks and those that want a smarter alternative
Drag-and-Drop Check Designer
Build professional checks from scratch or choose from dozens of templates.
MICR Line
Enter your routing number, account number, and check number once.
Batch Check Printing
Upload a spreadsheet of payments, review the full batch, and print or mail them all in one run.
Accounting Software Integration
Connect with QuickBooks, Xero, and other accounting platforms.
Check Register & Logs
Every check printed, mailed, or sent is logged with a full audit trail.
Multiple Bank Accounts
Connect and manage checks across multiple bank accounts from one dashboard.
Everything You Need to Manage Check Payments
OnlineCheckWriter.com is an all-in-one payment platform built for businesses that still rely on checks and those that want a smarter alternative
Small Businesses
Vendor payments, utilities, rent
HR & Payroll Teams
Employee payroll checks on demand
Property Managers
Multiple tenant or owner disbursements
Accountants & CPAs
Managing checks for multiple clients
Contractors
Subcontractor and supplier payments
Healthcare Practices
Insurance reimbursements, vendor invoices
Nonprofits
Grant disbursements, operational expenses
Retail & Wholesale
Supplier and merchandise payments
FREQUENTLY ASKED QUESTIONS
What is a MICR number on a check?
The MICR number refers to the line of numbers printed at the bottom of every check. MICR stands for Magnetic Ink Character Recognition. The MICR line contains three components: the routing number (9 digits identifying your bank), the account number (up to 17 digits identifying your specific account), and the check number (3–4 digits matching the check's sequence).
Can I print checks with MICR numbers on a regular printer?
Yes. OnlineCheckWriter.com generates the MICR line. You load blank check stock paper (available at office supply stores) into your standard laser or inkjet printer and print your check just like any other document
Is it legal to print your own checks with a MICR line?
Yes. Under the Check 21 Act, it is legal to print your own checks as long as they contain the correct MICR line with your accurate routing number, account number, and check number
What blank check paper should I use?
You need blank check stock paper this is different from regular printer paper. Blank check paper includes security features such as watermarks, micro-printing, and chemically sensitive coatings that help reduce the risk of tampering
Ready to Print Checks with Your MICR Number?
Set up your account, connect your bank, and print your first check on blank check paper or mail it via USPS or FedEx in minutes.
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