Required Information on Starter Checks

Image Credit: Hemera Technologies/AbleStock.com/Getty Images

Starter checks are given as the initial batch of checks upon the opening of a new account before checks with personal information can be printed. Starter checks have less information than a normal check, and often are not accepted at some retailers. Starter checks are legal forms of payment, and have required information that must be included.

Function

Starter checks are issued by a bank to a customer who has opened up a new account and needs checks before receiving personalized printed checks, which can take several weeks. Starter checks are considered by the bank to be the equivalent of a printed check.

Features

A starter check always has the banking customer's nine-digit routing number, followed by their banking account number associated with that checking account. The check will also have the issuing bank's name and address printed. There will also be a line for the date, amount of the check and a box for the numerical amount being issued.

Personal Information

Some starter checks will have room or lines to fill in personal information. A starter check writer may have the option of filling in their name, address, telephone number and driver's license number.

Misconceptions

The common misconception about a starter check is that it is not the same as a printed personal check. As long as the starter check has the bank name, correct routing number and bank account number, then it is an equal to a printed check. Some recipients are wary of these checks because they signal either a new banker or account, with risk of bad management and bouncing.

Common Uses

Starter checks are most commonly used for paying bills such as rent, utilities or making a car payment. Some starter checks with not have a check number, which will make it harder to track. The best way around this is to order preprinted checks with check numbers through a check design company or through the bank directly.

references