Finding ways to print payroll checks online for free is a good option if you have employees who prefer checks over direct deposits; however, free services are generally limited ― some only allow one check per day. All you need is a printer, check stock, and magnetic ink, and you can usually print within minutes.
If you need payroll software with more sophisticated features than free providers offer, try Gusto. It has automated payroll processing, electronic tax payments, and allows you to pay employees through direct deposit and check for free. And during these challenging times, Gusto has cut its Core Pricing by 50% to help small businesses get through this pandemic with one less thing to worry about. Visit Gusto to learn more today.
How to Create and Print Checks for Free
To print payroll checks free, you can try a check printing website or payroll software depending on whether you also need help processing payroll. If you choose payroll software, your check printing process will be longer, because you must run payroll first. Mobile apps are a good choice if you don’t have a computer.
Purchase a Printer and Magnetic Ink
You can use any printer to print as long as you also use magnetic ink or toner. If you don’t, your bank can opt not to process the payroll checks or charge you an additional fee. The bank’s check readers are designed to detect checks printed in magnetic ink. If you print in regular ink, it may not recognize your routing and account numbers, which means the bank teller will have to manually process.
Adjust Printer Settings per Instructions
Your printer settings will need to be checked per the application’s instructions to ensure your check information is aligned properly when printed. Some software services will allow you to perform a test print before printing the actual check. If that option is available, we recommend it. You’ll also need payroll check stock to print your checks. If the service you use recommends a particular check stock, it’s a good idea to use it so you don’t have compatibility issues.
“For me, one of the biggest challenges is remembering to order blank check stock. There have been several instances where I’ve forgotten and it’s come back to haunt me come payday. I then usually have to run out to a local office supply store and purchase more. It’s just a pain. I’ve also had issues with printing alignment before. That’s always a pain as well. Maybe it’s my printer but that initial setup is just very frustrating. I’d recommend other users do a little research before just jumping in.”
– Matthew Ross, Chief Operating Officer, Slumber Yard
Purchase the Right Check Stock
Services that aren’t payroll-specific, like check printing mobile apps, will print checks as personal checks. This means the check stock you use must be personal check stock, which doesn’t have a paycheck stub listing earnings, deductions, and taxes. Depending on your state paystub regulations, you may need to provide this information to employees. You can download a free pay stub template and manually enter the information or use software, such as Gusto.
Keep in mind that the easiest way to print payroll checks online for free is by using a check printing service that allows you to enter check payments one-by-one. If you opt for payroll software that can process a batch of checks at once, you’ll be required to run a full payroll cycle within the system before you can print.
Here are four ways you can print your payroll checks for free:
Print Payroll Checks Free With Check Printing Service
A free online check printing service is useful if you need to print a small number of checks without having payroll software. Print Check Online will allow you to create checks instantly for free with no download or installation. Limitations are that you’re only allowed to print one check per day and have one payer profile, bank account, and mailing address on the account.
1. Create a Free Account & Log In
First, you’ll need to create an account. Click “Create Free Account” at the top middle of the page, following “Home.” It will take you to a page that requires you to enter a login ID, password, and email address to finalize your account setup. Be mindful of the password rules when setting (no % or space). Once you’re done, you should receive a confirmation email sent to the address you entered within 15 minutes. Follow the link in the email to verify your email address.
2. Enter the Check Information
Once your email is verified successfully, you will have the option to sign in. Once you’re signed into your account, click “Check Printing” at the top of the page (after “Home”). Then, you’ll see all of the information you need to enter:
- Your name and physical address
- Your bank name and address
- Your mailing address
- Check number, amount, and date
- Payee’s name
- Routing and account numbers
- Layout order: Defaults to Check number–>Routing number—>Account Number (with free account)
3. Adjust Print Settings & Load Printer
Print Check Online requires your resolution settings be at 96 DPI. To change on Windows 10, you will need to close all of the programs currently running on your computer. (If you’re using a different operating system, like Mac, you should consult your manual or look up how to change DPI and page setup on Google). Windows 10 users should do the following:
Right click the desktop–>Click on “Properties”–> Click on “Advanced” –> Change DPI setting by selecting “Normal size (96 DPI)”–> Click on “Apply”–> Click “OK”
Once your DPI is set where it needs to be, adjust your page setup, and do the following:
Click “File”–>Click “Page Setup”–>Change page size to “Letter”–>Change all margins to 0 (they automatically set to the minimum inches)–>Change all headers and footers to “Empty”–>Click “OK”
Once your settings are updated, you can load the printer with check stock. Print Check Online recommends you use Versacheck Form 1000 Prestige Checks.
4. Preview & Print Your Check
After you enter your check information, adjust the print settings, and load your check stock, you can opt to preview your check. Click “Preview Your Check,” located at the bottom of the page, and you will see your check with a watermark indicating it’s for preview only. When you’re ready to print the check, select “Click to Print Your Check” at the bottom of the page, and the same check will populate without the watermark. Then, print to the printer you want to use.
Print Payroll Checks Free Using a Mobile App
If you don’t have a computer or laptop, printing from a mobile app is a good option. Check Writer 3.0: Print Your Checks at Home helps Android users write and print checks at home directly from the app. All you need is a U.S. bank account, a phone, printer, personal sized blank check stock, and magnetic ink. After printing the check, you can sign it and give to your employees to endorse and cash. You can also keep a digital copy on your smartphone or tablet.
One concern you might have is security since printing from the app requires entering your bank account numbers. The application states that your bank information will never be uploaded to the cloud or stored in a server or any other place.
Here are the steps you can use to print a check from mobile app Check Writer 3.0:
1. Download the App on Your Phone
2. Enter the Check Information
Fill the check out by entering your name and address at the top, the payee’s name beside “Pay to the order of,” the amount in numeric form and written out, a memo, and your signature (which is just your name in print).
When you’re ready to add your routing and account numbers at the bottom, click in the area they should be entered, and a prompt to add a bank account will display. You’ll see the image of a check at the top of the page with arrows showing you where to find your routing and bank account numbers on checks issued to you by your bank. Scroll down, and enter the following:
- Your full name
- Bank name
- Routing number
- Account number
- Starting check number
After you enter all of the information, click “Save Bank Account.” The app will display a message reminding you to verify that the data you entered is correct, and that it’s not responsible for any errors. Click “OK,” and you’ll be sent back to the page displaying your check.
Now, you can add the bank account you just created in the system. Click in the bottom area where your routing and accounting number will show, and a prompt will display with the accounts you entered. Select the bank account from which you want to pay, and the routing account and check numbers will automatically populate on the check.
3. Preview Your Check
In the top right-hand corner, you’ll see four white dots aligned vertically. Click on them, and a drop down will appear. Select the last option, “Print or Save PDF.” A box with information about print settings will appear. Be sure to read, because you may need to change your check alignment, border, or size when you’re finished reviewing the check preview.
4. Prepare Printer, Adjust Settings, Load & Print
Now, you’re ready to select a printer. Select “All Printers” in the top left-hand corner (you’ll see the alternative option to save as a PDF), and your device will begin searching for printers. You can add a wireless printer from your phone settings; the exact steps can vary depending on the type of phone you have.
Be sure your printer and your phone are connected to the same Wi-Fi network. This will make it easy for your phone to find and connect to the printer. If you don’t find the option to add a printer in your phone settings, check your manual or Google.
Add check stock to your printer. Check Writer 3.0 can only print using personal-sized check stock but plans to offer business-sized checks in the future. The app recommends you use Office Depot’s personal check stock for printing.
Check Writer 3.0 doesn’t have specific printer settings to follow, but if you find that fields are overlapping on the check when you print, go to “Settings” –>”Customize checks.” Then, try to decrease the font size or change its type. If you have alignment issues, go to “Settings”–>”Print Settings” and adjust until you find a fit.
If your printer doesn’t support wireless printing, just save the check as a PDF file. Send it to yourself via an online email account, and print from a computer or laptop. Also note, if you’d prefer to print blank checks and hand-write them later, the app supports that. Follow all the steps above but leave the check information blank.
Use Free Payroll Software to Print Payroll Checks
Payroll4Free is an online payroll software you can use at no cost if you’re paying no more than 25 workers. It allows you to print checks and process payroll, which includes payroll tax calculations, several tax forms, vacation tracking, and more. You can also give employees the option of receiving their paycheck through direct deposit if you use your own bank to set it up.
Here are the steps you should follow to print payroll checks online using free payroll software, Payroll4Free:
1. Sign Up For & Install Payroll Application
The first step is to visit the website and enter your company information, name, and email address. You’ll receive two emails that detail the features included with the free service, add-ons that are available, and steps to start the payroll process.
One of the emails you receive will include a link you can use to download the Payroll4Free.com app. You’ll need to respond to a couple of prompts, like giving your computer permission to run the program, so just follow the installation steps on the screen.
Once you log in to the app, you’ll enter information to finish setting up your company, payroll, employees, taxes, and accounting. The system will need information like your bank’s routing and account numbers, pay frequency, i.e., biweekly, weekly, etc., and employee W-4 details. After you enter all of the required information, you can submit and wait to be notified via email that your account setup is complete.
2. Process Payroll
Once you receive the email verifying your account setup, you can process payroll. On the left-hand side of the screen, you’ll click “Payroll” menu option. It’ll bring up a dashboard that shows processing, reports, and maintenance. Click to enter the PR Explorer process.
Before you can start printing payroll checks, you’ll need to start a new batch and enter your employees’ hours or salary. You’ll also need to enter and verify the check date, payroll period, and payment types (checks and/or direct deposits). The system will automatically calculate deductions, employer taxes, wages, and salaries payable based on information entered during setup and the hours you submit.
Once all of your employees’ information is entered, you can view your preposting reports before printing the paychecks. This will help ensure your checks are accurate on the front-end, so you won’t have to void in the system and reprint later.
Preposting reports contain all of the information pertaining to your current payroll. You’ll see earnings, taxes, general ledger accounts, etc. The first official report that will show is the earnings report. After you review the earnings report, you will see a detailed tax report, summary tax report, journal entries, and check register. To toggle through these, click the left or right ticker (arrow) at the top, under your company name.
The check register is the last report you will see. There won’t be a check number, because you will not have printed the checks yet. As you move your mouse over the employees’ records, you will see a blue bar. This means you can drill down. Hover your mouse over the check you’d like to preview and double-click.
To exit the drill-down, click on the white X in the upper right-hand corner. The system will take you back to the check register. Once you have reviewed and approved the applicable reports, click “Post” (with a green check mark in front) on the upper right-hand side. The post function will update the payroll and send you to the check printing screen.
3. Load & Prepare Printer
You will see a note at the top that reminds you to load payroll check stock into the printer. Once you’ve loaded the printer, verify that the printer listed is where your checks should be printed. If not, open the drop-down box and select the correct printer. Also confirm that the checks listed below are the payments you’re expecting to pay.
4. Print Payroll Checks
When you’re ready, click “Print All,” on the right (third from the top). Your checks will print, and the system will ask you to confirm that the checks were printed correctly. There will be a prompt asking if you want to see the posting reports. Click “Yes,” and you will see reports that look similar to the preposting reports but with check numbers. You can export the file as a pdf, csv or txt file. To exit, click the white X in the upper right-hand corner.
The system will take you to a list of posted batches. If your batch has black font, it means checks were printed. If it’s in red, you’ve updated but haven’t physically printed the checks. If the batch is shaded in gray, there’s a void check in the batch. To close out of the PR Explorer, click the “Close” button on the far right-hand side (last button in the list).
If you ever need to reprint checks, just click “Other Reports” under Reports to see a drop-down list. You will need to select “Payroll Check Register Report.” Enter a time frame, i.e., 06/07/2018 – 06/21/2018 and then “Generate.” The system will then show you a check register report (similar to the one that displays when you print an original batch).
Follow the same process as described above by hovering over the transaction you want to see, double-click, and the check will display. Since it’s already been posted, you can select “Print,” and the check will reprint.
Print Checks Using a Free Trial With Provider
You can find plenty of payroll providers that will offer a limited free trial, so you can print payroll checks easily, but to continue doing so, you’ll have to sign up and pay after your trial is over. Some will require you to enter payment information, such as a debit card, before activating your trial, but others will allow you to start using the system without it.
Gusto allows you to start running your payroll and filing taxes using its electronic system free for 30 days. It will send welcome emails to your employees and save all of their payroll documents online. You don’t have to enter payment information to sign up. Try Gusto today.
Here’s how to print payroll checks using Gusto:
1. Sign Up For a Trial & Set Up
First, you’ll enter information about yourself and your company, name, address, number of employees, etc. You’ll set your password and declare whether or not you’ve run payroll in the current year. You’ll also tell the system if you offer health benefits and how you heard about Gusto. Then, you’ll create your account. Gusto will send you an email to confirm your email address. Once you click on the link, you can complete the setup and run your first payroll.
After you sign in, you will have to enter a bit of information to get started. Remember, with payroll software, you have to process payroll before printing checks. You’ll enter information regarding the following:
- Accounting software integrations
- Company addresses
- Federal tax information
- State taxes
- Bank account information
- Pay schedule
- Previous payrolls, if applicable
- Unpaid tax liabilities
To pay your employees with payroll checks, you will need to specify this within the employee setup menu. Click on “People” on the left hand side of the dashboard to enter information about each of your employees. This is where you will specify the preferred payment method is check.
2. Run Payroll
Gusto has a time-tracking system that allows you to track and approve your employees’ work hours. After you enter them into the system, they will receive their own login , and they can enter their hours each period. Pay for salaried employees will be consistent each month. Once you approve time for all employees, Gusto will calculate gross pay and deductions. You’ll need to verify that everything looks correct before proceeding to print your payroll checks.
3. Select Print Settings & Load Printer
After running payroll, click “Print Checks” on the Write Checks screen. You’ll need to choose your check type. You can print with personalized, check on top paper or blank, check on bottom paper. Gusto recommends specific personalized check stock and blank check stock to ensure compatibility with the system.
If you choose the personalized top check option, you will need to select “Layout t10196,” and when you’re choosing the check style, toggle the tab from “by Software” to “by Layout.”
If you have blank check stock and need Gusto to populate your company and bank information, choose the blank bottom check option.
4. Load Your Check Stock, Preview & Print Checks
Be sure you have your magnetic ink cartridge or toner in the printer. After you load your check stock, click “Prepare Checks” to view the PDF with the check information and earnings statement. Save the PDF if you’re using the “Blank with Check on Bottom” option, because check numbers will change if you have to regenerate the batch at a later time for reprinting. To avoid printing issues, deselect the option for Fit to Page or Scale to Page.
Then, all you have to do is print, sign, and deliver the checks to your employees. Pay stubs are included, so you don’t have to manually prepare.
Frequently Asked Questions (FAQs) on How to Print Checks Online for Free
In this article, we’ve discussed the different ways you can print payroll checks for free. However, we realize that some questions are asked more frequently than others, and we’ve addressed them here.
Here are some of the most frequently asked questions about printing payroll checks:
Do all payroll checks have to be printed with magnetic ink?
Yes, all payroll checks should be printed with magnetic ink or toner. If you print in regular ink, the bank’s check reader may not accept your employees’ checks. And some banks will charge you an additional fee to process or return it altogether. In the mobile app we mentioned in this article, there’s a statement indicating you can use regular ink to print. We don’t recommend.
Are payroll checks the same as personal checks?
No, payroll and personal checks are different. Payroll checks are usually personalized to hold additional information that would print on a paystub, like federal tax and insurance deductions. Also, personal checks are usually drawn on a personal bank account, while a payroll check is linked to a business or payroll account. A couple of the options we listed print checks without pay stubs, In those instances, we recommend that you create your own pay stubs.
Does all check printing software allow you to pre-print check information?
The majority, if not all, check printing software should allow you to pre-print information. All of the options we discussed above, free payroll software, mobile app, paid payroll provider with a free trial, and online check printing software have this feature.
Can I use a free check printing software and hand-write my checks?
Some software will allow you to hand-write your checks. The mobile app, Check Writer 3.0, we discussed above gives you the option to print the template and fill the information in later. Some software will not allow you to print blank check templates. The online check printing service we discussed, Print Checks Online, requires you to enter certain information, like payee name, your name, and banking information, before it will allow you to print.
Printing checks online for free is convenient but limited. Most services allow you to print a certain number of checks daily or free for a limited period. Some allow you to print free indefinitely but for a limited number of employees, and if you’re not using payroll software, you’ll have to create your own pay stub.
Gusto will save you time by automatically calculating all periodic and year-to-date totals for earnings, deductions, and net pay, so you don’t have to. It provides a pay stub for each employee, and you can reprint your checks and pay stubs at any time. Sign up for a free trial today.