The reason that the drafts are accepted by the bank, is that they carry a message in the print out that states, "Payment authorized by accountholder. Indemnification agreement provided by: your company name". This assures the bank that you have physically or verbally recorded proof in some form that the customer authorized the draft.

Using CheckComposer.com, you can print your checks on blank 8.5" X 11" paper, however, you can and should use check stock. Although you can print your checks on regular paper, purchasing check stock has the following benefits and security features:

• Perforations - check stock is perforated so you don't have to worry about manually cutting checks
• Chemical Protection - stains or spots appear with chemical alteration
• Erasure Protection - white mark appears when erased
• Security Screen - absence of "original document" verbiage on back of check
• Authentic Watermark - authentic watermark not visible when held to light

YES, Check Drafting was clearly established as a legal method of payment as defined in the Uniform Commercial Code. Here are some references to the UCC and laws associated with check drafting...

Additional Resources

• FTC Consumer Protection Guidelines
• UCC Negotiable Instrument
• UCC Article 3
• Unauthorized Signature
• UCC Article 2 On Sales

YES - We use multiple layers of security which protect your data...

• CheckComposer.com requires an email and password to log on
• We use secure SSL communications
• Our data center has built in firewalls and is constantly monitored for intrusions
• All sensitive date including credit card numbers and account numbers is encrypted using 128 bit encryption
• Your data is automatically backed up on a daily basis

If you do not wish to spend the time hand entering your clients, we do provide a data import service. You will be required to email us your client list, we will pre-load your CheckComposer.com account with all your clients. The import carries an additional charge of $99.00 per hour.

There are no special computer requirements, CheckComposer.com is 100% internet based. No programs to install, no data to backup, no upgrades. Simply sign-on to CheckComposer.com and do your business. We do use the industry standard Adobe Reader to view checks, so the Reader Software will need to be installed on your computer.

NO - since most of the banks now use OCR (Optical Character Recognition) to read the MICR line on checks and drafts, special toner is not required. Even if your bank does not have OCR equipment installed, the regular toner used in LaserJet printers is magnetic and can usually be read by banks that are not using OCR. If the bank's automated system cannot read this information, the check or draft will still get processed because the bank will manually enter the MICR line at the bottom of the check in magnetic ink. If you have a problem processing checks through your bank and feel that you need MICR toner, it can be ordered from

We offer a high quality check stock which you can purchase when you are signing up with us.  Existing customers can also purchase check stock by signing into their account, then clicking 'Order Check Stock'

CheckComposer.com allows you to print mailing labels on standard Avery forms, or you can load your printer with envelopes and print right on the envelope. If you print envelopes, you can even print a return address.

• Use standard #10 windowless envelopes
• Use Avery 5660 labels for mailing labels