Category Archives: Business Checks

Business Accounts and Personal Accounts

Are you thinking about starting your own business? It’s not a bad idea; small businesses are the backbone of the United States, so entrepreneurialism is more than encouraged. In fact, even in many of our country’s urban sprawls you’ll see unique mom and pop shops, specialty stores, independent coffee shops, start-up tech companies, and beyond. No matter the size of the company, be it a one man operation or a restaurant with over 40 employees, each and every business needs to be equipped with business checks as well as a business checking account. This is no matter of method or opinion, either; businesses are in a better legal positioning if they have their very own business bank account.

One of the silliest mistakes that a business owner can make is to operate a business out of a personal bank account. Outside of plain ignorance, there is little excuse as to why you wouldn’t have a dedicated business account, especially since most banks offer free business checking accounts. While starting a small business bank account can sound like a headache, it’s actually pretty easy. That is, of course, if you have all the proper documentation necessary.

Why Should You Keep Your Personal and Business Accounts Separate?

The answer is simple. It doesn’t matter whether you’re running a limited liability company, a corporation or a partnership—nor does the size of your company matter—if you’re legally conducting business and have separate accounts, then the courts will look at your business as a separate entity from yourself as an individual.

Let’s use a hypothetical scenario in order to illustrate the point: if you were to have a lawsuit brought against your business, then only your business could be sued; not you as an individual. However, if your personal bank account and business bank account are one in the same, then the courts will see you and your business as the same entity. A scenario such as this has the potential to get extremely messy and deal immense damage to your personal finances, so do yourself a favor and set up a separate business bank account right away.

By maintaining a business banking account separate from your personal finances, you will be able to handle your taxes in the most beneficial way possible. The IRS will require that you file your personal and business taxes independent of one another. Having to go through a single account and separate the business expenses from the personal can be an arduous undertaking that can easily be avoided by keeping these two accounts separate to begin with.

Many believe that doing the small things early on, such as starting a dedicated business account, will help business owners to develop good business habits which will only help them later down the line, especially when it comes to finances. Another major benefit a business account offers is the ability to accept credit card payments. This is obviously a big reason to go ahead and set up an account since you run the risk of putting your business at an immeasurable disadvantage if you can’t accept debit and credit card payments

With a business account, you are also able to order business checks online from the convenience of your office or home. Also, business checks will help to give you the appearance of a professional, legitimate business. In the business world, there are few things more questionable than receiving a personal check from a business. When a customer, employee, or vendor sees a check with your company’s name on it, they gain a strong sense of professionalism, trustworthiness, and stability. If they see your personal name on the check instead, they may develop a few personal ideas about your company’s image, and when it comes to small business, reputation is everything. Avoid this pitfall by ordering both physical and online business checks.

How Do You Actually Open Your Own Business Checking Account?

The next step beyond understanding all of this is to actually put it into action. It’s extremely important that you actually do what is required by the local, state, and federal governments in order to set up a business account.

To get started, you will want to know your business structure inside and out. Are you running a limited liability corporation, a partnership, or a sole proprietorship? Knowing your structure will help you to set up your accounting situation, which will ultimately help you to know whether you need a business bank account or a credit card and merchant account services. While there are numerous options to choose from when deciding what type of business bank account you will need, it’s good to know that many banks also offer free business banking accounts as well. Although they may lack the special services and perks of one of their signature accounts, starting with a free account can be your first step toward something much greater.

Useful Checking Accessories for Your Business

When placing your next order for new business checks with checkworks.com, make sure you order a new check register, too. Our check registers are designed to help you keep track of business purchases with ease. They also feature a handy calendar, so you can see at a glance particular days of the year.

We also have other checkbook accessories to help you run your business efficiently and stay on top of your finances. These accessories include:

Address labels — these handy labels make it a snap to add your business address to business correspondence. These labels provide a much more professional appearance than a sloppy, handwritten address — they are also much easier to read.
Business cards — you can’t have a business without keeping plenty of business cards on hand. These cards make it easy for you to spread the word about your business. You can choose to include as much or as little text as you want on the card. Just be sure and include pertinent contact information, so future customers can contact you.
Checkbook calculators — these easy-to-use calculators make balancing your business checkbook fast and easy. You can quickly add and subtract numbers right there in your checkbook without having to dig out paper and pencil to write out your calculations.
Financial organizers — we offer several organizers to help you keep both your business and your personal finances clear and concise. These organizers include handy tips and advice to make financial management easier to understand.
Checkbook covers — our stylish covers provide you with an easy way to organize your checks, register, calculator, and any other related product. Staying organized is one of the best ways to keep your business finances in order.

Here at CheckWorks, we strive to provide our customers with everything they need to balance their business budgets, as well as their personal household budgets. Before you order more checks from your banking institution, consider placing an order with us. Our wide selection of products, easy ordering process, and affordable prices make checkworks.com a great investment for your business. Contact us today to learn more about our products.

Utilize Our Business Checks to Manage Your Finances

Owning and operating a small business is no easy feat. There are many responsibilities on your shoulders. One of the most important responsibilities is managing the finances. Without proper management of the finances, your business will quickly go under. One way to help keep track of spending is through the careful use of business checks. Instead of using cash all of the time, you can use checks to monitor where the money goes for each purchase.

Here at checkworks.com, we offer various styles of checks to help you operate your small business. With duplicate checks, you can have a written record of the exact check you wrote, which makes it much easier during tax season to claim your expenses. The use of our checks will also help you develop good habits. Making it a habit to use a checkbook instead of swiping your credit card will help prevent those impulse purchases — the kind of purchases that can wreak havoc on your business’s bottom line.

We also offer detailed registers for writing down important information after every purchase. These registers are a great way to back up the information you already have from the duplicate check. With a register, you have all of the expenses in one convenient location, which makes it much easier to balance your checkbook at the end of each month. Between the duplicate checks and the registers, you should have no trouble managing the finances of your small business.

Here are a few tips to keep in mind when writing checks:

Always record each purchase in the register at the time of the purchase. Don’t rely solely on the duplicate checks to keep track of your purchases. Instead, use the register and the duplicate checks together to ensure that all purchases are monitored.
Make sure anyone with access to the business finances remembers to use checks, too. This means if you send your spouse out to buy some office supplies, give him/her a quick reminder to write the check and record the purchase.
Balance your checkbook at the end of each month. Make sure every purchase is accounted for, and if you notice any discrepancies, contact your bank for more help.

Contact us today at checkworks.com to order a box of checks for your small business, and start managing those finances the right way.

Be Successful with a Household Budget

Creating and managing a household budget is an important step towards financial security. If you fail to budget your money each month, you could wind up with late payments, missing payments, and just utter chaos. No one wants to have chaotic finances. Checkworks.com is the place to go to order checks online — and we also have some useful tips for successfully managing a household budget.

Create your budget. The first step to budgeting is having a budget, so force yourself to sit down and do it. You may have a million reasons why you don’t have time to make a budget right now, but your finances need a solid budget. Don’t put it off any longer.
Be smart. When making your budget, use your good sense. Make a list of the priority bills, such as utilities and mortgage payments, and make sure those things are budgeted accordingly. Then, make a list of other non-essentials, such as entertainment. As you start assigning funds to each bill, take care of the priorities first — you can always rent a video instead of going to the theater.
Use checks. Once you have a budget planned, start using your checking account. When you write checks, you have a record of the purchase. Be sure to record the transaction in your register, which can help you stay on top of your current finances every day.
Avoid credit. Live within your means, and you will see your money grow. Too many people turn to credit cards, and then they only make the minimum payment. If you must have a credit card, stick to only one, make sure it has good terms, and only use it when necessary — and when you are certain you can pay the balance quickly.
Stick to your budget. It is easy to give in to your impulses, especially when it comes to something you really want. Be strong and adhere to your budget rules. You can always save money for non-essentials and purchase them later.

Contact us today at checkworks.com, and let us help you keep you budget on track with our selection of quality checks and registers.

Reasons Why You Should Order Checks Online

When you reach the end of your checkbook, your first instinct might be to call your bank for a new book of checks. This is fine, as long as you don’t mind paying more for your checks. Bank prices on new checks are often higher than what you pay if you order checks online. Here at www.checkworks.com, we have a huge assortment of checks — and our prices are very affordable. You can typically save 50% by ordering checks from us!

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If you have never ordered any checks online before, here are some reasons why you may want to consider it:

You can choose from a wide selection of designs. There is no reason why your checkbook has to be boring — after all, YOU aren’t boring. We offer various styles, including nature, animals, biblical, and patriotic. Choose a style that fits your personality, instead of something plain and boring from the bank!
Enjoy the convenience of ordering from the comfort of home. You can take your time choosing the perfect checks, place your order with just a few clicks, sit back, and relax — your checks will soon arrive on your doorstep!
You can add on accessories, such as a checkbook cover or a new register, to complete your checkbook. A register will help you keep careful track of your purchases; our covers, available in various colors and styles, will protect your checks with a personal touch.
You can order checks for your business at the same time you order your personal checks. We are your one-stop shop for all of your checking account needs!

The ordering process is quite simple. Just find the checks and accessories you want, then fill out the easy-to-understand order form on our site. You can also call and order your new checks over the phone, or you can fax us your order — whichever method is easiest for you.

Contact us today at www.checkworks.com to get the answers to all of your frequently asked questions, and place your first order for new checks. You will not be disappointed with your purchase, and your satisfaction and security is 100% guaranteed!

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How Writing Checks can Keep Your Budget under Control

Creating a household budget is the best way to get your finances under control and properly manage them. Creating the budget is easy enough — sticking to that same budget: that is often much harder. You have to be committed to getting your finances under control — you have to take charge of your budget. One tool that can help you stick to your budget is your checkbook. Writing checks for purchases instead of swiping your debit card can help you control your spending.

You may be wondering how a checkbook can keep your finances under control. Take a minute to think about how easy it is to swipe that card. You use it at the grocery store, at the gas station, and at the Redbox to rent movies. Before you know it, you have lost track of the purchases you made for the day — and the next thing you know, your bank account is overdrawn.

Two Ways Your Checkbook Can Help

With a checkbook, you have to write out a check for each and every purchase. This can help you in two ways. First, when you fill out the check, you are creating a record of your purchase, either by using duplicates or by recording the purchase in your register. At the end of the day, you can quickly check your register and see exactly how much money you spend and where.

Second, writing checks can make you rethink a purchase. Do you really need that fountain drink or your favorite cappuccino if you have to write a check for such a small purchase? When you use your checkbook instead of your debit card, you are much more likely to reduce your spending simply because you don’t want to take the time to fill out a check for minor purchases. Those minor purchases add up each month — if you reduce the number of small purchases you make, you will save money.

Adhering to a monthly budget can help you reduce spending, save money for the future, and make your financial situation more secure. The first step is creating your budget. The second step is sticking to it, and your checkbook can help with that. Contact www.checkworks.com to learn more about our wide selection of personal checks and registers to help you with your budget tracking.

The Importance of a Small Business Checking Account

When you own a small business, one of the most important aspects of running that business is keeping good financial records. You have to have a clear and concise record of where your money is going to ensure that your business doesn’t fail. One aspect of keeping good records is by writing checks. When you pay your vendors and other expenses with business checks, you create written records of where you spend money.

You can easily see which expenses were paid and how much was paid. You don’t have to worry about whether you forgot to write a receipt, because you have the duplicate check as a record. Here at CheckWorks, we offer a wide selection of business checks that are ideal for record keeping. With duplicate checks, you can write checks for anything and know that you have an instant record being created at the time you are writing the check — this is truly a convenience that you cannot afford to be without.

Balancing your checkbook for your business every month is another important part of keeping good financial records. When you get your bank statement, you have to make sure your records match those of the bank. You have to account for any discrepancies. Careful record keeping will make things much easier for your accountant at tax time, too — no one wants to file their taxes without specific records documenting all purchases and expenses.

If you are already a small business owner, or you are planning on starting a new business, make sure one of your first steps is opening a business checking account. While it may be tempting to use your personal account for your business – as juggling more than one account can be confusing — make sure your business has a separate account. This way, all business-related activity is tied to one account, and you don’t have to sort through personal expenses and business expenses.

Visit us today at Checkworks.com and have a look at our selection of business checks.

Use a Checking Account to Start Building Credit Worthiness

When you are starting out in the “real” world as an adult, you have a lot of choices in front of you. You have to make careful choices, too, because they can affect the rest of your life. For example, if you decide to open several credit lines, and wind up getting behind, you can damage your credit. A better alternative to establishing some credit is to open a checking account. When you write checks, you will not only be learning how to manage your money with care, you will slowly be building your credit worthiness.

As a young adult, you need to be cautious in the financial world. It only takes one missed payment to ruin your credit, but it can take years to restore it. Instead of rushing out and snatching up credit cards, learn how to live within your means with a personal checking account. Here at CheckWorks, we offer a wide selection of personal checks to help you on your journey into adulthood.

After you have successfully handled your money in your checking account for a few years, you can start thinking about taking on a credit card. Your bank may have a credit card to offer you. Just remember to take things slow when it comes to credit cards. Avoid having too many cards at once, and make sure you pay off your balances quickly. If you ever get in a jam and have to miss a payment, always contact your credit card company and let them know the situation, and when to expect your payment. Communication is very important in the credit world.

By learning how to manage your finances with a checking account, you will soon be ready for credit cards, automobile loans, and, eventually, a mortgage. The first step to being a full-grown adult is a checking account — and we are here to help you enjoy your checking account by giving you stylish, fun checks to use!

Contact us today at CheckWorks to choose from our selection of personal checks, registers, and other money management tools. We want to help you manage your finances with ease!

Teaching Money Management to Teens

Money management is not normally on the list of available courses when your teen is in high school. It falls on your shoulders, as the parent, to ensure that your child understands financial matters and is ready to face the world when the time comes. CheckWorks is here to help you teach your teen about managing their money. A checking account is one of the easiest tools to use to teach money management. Our wide assortment of checks, registers, and other budget-tracking tools are quite useful in learning about finances. Here are some more tips to help you teach your teen how to be a money-savvy adult!

Show your teen how to use the register to record every purchase with a check, instead of swiping their debit card. Remind them of how easy it is to overdraw a checking account by always using a debit card. Writing checks provides clear records of where their money is going and how much is left.
If your teen struggles to remember to use the register, or complains that it is too time-consuming, have him/her use duplicate checks. This will provide a copy of each check written. Your teen can then copy the information to the register after making a purchase.
Teach your teen to live within his/her means. If they don’t have the cash to cover a purchase, then they shouldn’t buy it. Make sure you do the same and teach by example.
Once your teen reaches legal age, they can expect lots of credit card offers. Encourage them to ignore the offers — too many credit cards can lead to trouble! Instead, help them find a single card with the best benefits. This will help them build their credit without going into too much debt.
Help your teen balance his/her checking account at the end of each month. Remind them to ensure that the bank’s statement and their register matches. Tracking down any discrepancies is a must.

As the parent, you need to show your teen the best ways to manage their money in a responsible manner. Remember — you are not just raising a child; you are raising an adult. Contact us today and help your teen order personal checks, registers, and other money-management tools to ensure that he/she enters adulthood confident in their money matters.

How to Successfully Manage a Joint Checking Account

When you share a checking account with your spouse, it can be easy to lose track of the money you have, since you’re both writing checks. For instance, if your spouse goes out of town for a few days and writes a few checks, unless he/she keeps you informed, you might write just as many checks, leading to an overdrawn account. The personal checks offered by CheckWorks can help you avoid some of the confusion associated with a joint checking account.

Our personal checkbooks have various features, including duplicates of written checks and detailed registers. These two features, alone, can help you successfully manage a shared checking account. Both features allow easy record-keeping of checks written, no matter which one of you writes the check. At the end of the month, you will find that the duplicate checks and register will help you quickly and easily balance your checkbook.

Here are a few other tips for managing a shared checking account:

Communicate. If you write a check, let your spouse know, so that he/she can write the information in their checkbook register. Lack of communication is a recipe for a disaster.
Use the register the right way. Instead of jotting down a quick, abbreviated note in the register, take the time to write down the specifics for each purchase.
Be neat. You can be as detailed and precise in your register as possible — but if you can’t read the writing, it’s not going to do you any good. Be neat when recording information in your checkbook register, and you will avoid a headache later.
Compare your register with your monthly bank statement. It is important to compare the two each month, and balance them, to ensure that you and your bank have accurate records of your spending. If you find discrepancies, don’t hesitate to contact your bank. Our detailed registers and duplicate checks can help immensely in tracking down missing transactions.

The bottom line is that a joint checking account is a great resource for couple — but it needs to be managed wisely by both parties. Contact us today at CheckWorks to order your set of personal checks to help you stay on top of your joint checking account.