How to confirm a check usaa claim

Print US checks yourself !?

Solution developed and successfully tested

Guest contribution by Ingo Bachmann

One or the other has a US account. This includes checks that have initially been made by the bank. At some point they will be used up and the question arises: Where can I get new checks in Germany?

Order from the bank or from the check manufacturer?

There are several ways to do this: The bank can do a new one Checkbook produce it, it is ordered from a check manufacturer or you produce your own checks.

After a little research on the Internet, however, I became frustrated because Check forms Ordering to Germany is difficult. Even with the external check manufacturers, I have not found anyone who sends to addresses abroad. Therefore Making checks yourself In my opinion the easiest and best variant.

Easy: print your checks yourself!

1. What you need to print yourself

First, a personal check from the bank is required, from which the data can be taken.

Then you order a design program and blank check forms in the USA. These are printed with the existing data and ready. Now the check can be made out and submitted to any bank in Germany.

That sounds easy. But one after the other.

1.1 Instructions step by step in the form of my test report

On the afternoon of February 24, 2016, I ordered the “Checksoft Personal Deluxe” program and “Checks - Personal Pack” blank check forms from Avanquest by express from

If you don't know yet: also delivers many things directly to Germany and takes care of customs clearance, so that the package arrived at lunchtime on February 26th.

Buy check forms and software, then just feed them with the correct data.

The software was installed quickly and now it became clear that you need a check from your bank or at least the data from the bank. The program queries the content; You can let your creativity run free in the design. But which data is required and what does it mean:

Your own name and address should be known to everyone, it is important to use the address stored at the bank. This is followed by the name and address of the bank, the fractional number, the number of the last check in hand and the MICR line line. Sequentially:

1.2 Everything you need to know about check data

Check number:This can be found on the top right and also in the MICR line line on the check. In the case of personal checks, it has a maximum of 4 digits. It is arbitrary in itself, but should be continuous so that you can keep track of yourself.
Fractional number:This is written on the check next to or below the check number in a slightly smaller font. It has the form 12-5678 / 1234. The first number indicates the city or state where the bank is located. It continues with the institution ID of the bank. This number can be found again as digits 5 to 8 in the routing number on the MICR line line. And finally, after the slash or as the denominator of the fraction, the clearing number follows, which can be found as the first four digits of the routing number.
MICR line line:The MICR-Line line is at the bottom of the check and is in a special font that used to use magnetic ink to ensure fast machine processing. Today you work differently, a copy of the check is processed. It's quick and saves time.
The routing number, your own account number and the check number can be found in the MICR line line.
Routing number:It has 9 digits and consists of a clearing number, institution ID and check digit. In personal checks, the routing number can be found as the first number in the MICR line line, enclosed by the Zeichen character. This is followed by the account number with the ending ⑈ and, after a space, the check number.
Bank account number:Your own account number is given to you by the bank.

Now all the data is completely recorded and the check can be designed.

The program offers many options for this. Since the 900 blank forms already contain a blue background, I removed the possible background image in the program. In the end, the pressure followed. A standard inkjet or laser printer is sufficient for this.

This is what a check looks like when you print it yourself. Marked for you with the required check data.

After the printout, I wanted to know: is it really that simple? Does a bank actually cash self-made checks?

2. Redeem self-printed check - my test!

So I wrote a test for USD 100 on myself on February 29, 2016 and sent it to ING-DiBa, where I have a call money account.

The check was posted to the US bank on March 2, 2016 and I was able to call up its image in online banking. It took until March 10, 2016 for the booking to be made on the ING-DiBa account.

ING-DiBa account statement for the submission of my self-made US check.

In addition to the 5 EUR own fee according to the price list, external fees in the amount of 4.70 EUR were also charged.

Bank statement from my US bank. Here the 100 dollars were drawn.


The test shows that it is possible to produce checks for your own US account yourself.

Advantage: You only have to print as many as you need.

About the author

Guest author Ingo Bachmann

Ingo Bachmann is one of Gee Jay's first customers for the US account.

He travels as much as possible and is always looking for cheap ways to pay or withdraw money abroad.

The Master of Mediation advises and represents employees professionally, and works as a honorary magistrate in his hometown.

More articles on US checks / US banks

2 responses to "print US checks yourself !?"

  1. For amounts greater than perhaps USD 100, I would advise against using the US check as a means of transferring money to Germany.

    This has the following reason:
    I wrote my US check for USD 1,700 on March 29, 2016 and sent it to ING-DiBa for collection on my extra account. ING-DiBa was so kind as to confirm receipt in writing immediately and to inform you that a credit note can only be made after receipt due to the amount of the amount. She also pointed out that it could take up to 6 months. So I waited. On April 20, 2016, the amount was debited from my US account at no additional cost. But that didn't mean the money was in Germany by a long way. When I asked the ING-DiBa hotline at the end of May, it was explained to me in a very friendly manner that the money is routed through several banks and has not yet arrived. I was also recommended not to use this method of transfer, as it is very tedious and will cause high costs for me. So it was: On June 22nd, 2016 (value date June 2nd, 2016) the money was finally posted to my extra account. ING-DiBa has kept its word: it only charged EUR 5 as its own fee. The foreign banks saw it completely differently: Here 180 USD were deducted from the check amount. After deducting all fees, EUR 1,314.94 arrived.

    So my tip:
    Here is a simple, fast and inexpensive method to transfer money from the USA to Germany via TransferWise by ACH direct debit. Many thanks to Susanne Wagner for this guest post on Gee Jay's website.

    • Wow! That is a very interesting experience, thank you very much for this excellent posting (warning) and subsequent recommendation.

      My test checks worked fine, but admittedly they only had a test value of no more than $ 100.