On-Site Check Production, Binding and Finishing


StaplerWith the Check:R there is no logical rationale for temporary checks. Just go ahead and fill the order! It is just that simple! The Check:R System makes "right-here-right-now" checks a reality that clients (and your bottom line) will appreciate.

Current Reality:
Traditional check service providers (CSP) like Deluxe, Harland Clark, MainStreet, etc., are stuck with a high-volume commercial printing business model that no longer matches the dwindling volume of personal check orders. Millions are invested only to have their “customers” leave them in droves for EBPP (Electronic Bill Paying and Presentment). Even so, most US FIs still send their check user customers to the high priced old line CSPs. The only "out" the banker has for the high prices is to "pass the buck" – “Yep, they charge way too much but, but...it’s not our fault. We didn't do it.” Trouble is customers don’t see it that way; Mr. Banker still gets the blame.


The Check:R Solution

  • Personal Checks
    system produces professionally packaged personal checkbooks in minutes. Binding uses a manual stapler! What usually takes all the infrastructure, investment, real estate, equipment, and personnel of a contract commercial printer is effectively reduced to an office sized laser printer and a manual stapler. How? It is astonishingly simple -- bind checks on
    the short edge versus the long edge. Also it means no more spoiled checks; they come out clean -- every one down to the very last check! Why didn't someone figure this out years ago?
  • Business Checks
    Manual business and business voucher checks are just as easy. Select a check format from the user-friendly DPS2+ MICR Document Production software, click the appropriate paper tray and print the requested quantity.

 In addition to the immediate customer service benefit (with REAL checks and more fee income), you have the flexibility to precisely accommodate your depositor’s requirements – checks, deposits, order size, and product mix. You take control, catch mistakes before they become complaints, and stop the money drain to off-site providers.

Fee Income & Core Deposits:
Does fee income impact core deposits? You bet it does. How much has to come out of core deposits in at risk loans to generate enough interest income to off set the cost (and the luxury) of out-sourced check services? Here is the formula.



By catering to check users – the most profitable market segment - you begin to chip away at the revenue gap from low interest rates and lukewarm loan demand. Watch the Check User Profile video on the MICR Prime home page to see "by the numbers" why check users are such an important market segment.

A bit of number crunching reveals two (2) significant items:

  • The Check:R system makes on-site checkbook production highly profitable – up to a 70% margin – depending on your selling price, of course.
  • That means more money is available to loan – as much as $200.00 per checkbook order stays in core deposits.

Another way to look at it -- even a very minimal number of Check:R orders is like adding another property to the balance sheet without the loan risk! And there are other benefits – target marketing, LDR (Loan Deposit Ratio), and CRA (Community Reinvestment Act) compliance, etc. The .pdf tutorial below shows the process – simple, quick, and profitable.

PDFlogolick on this Adobe .pdf icon to see the 
Check:R tutorial. It really is quite simple. Just read and follow the instructions step by step. One time through and any staffer is an expert. No need to hire someone new. 

Trial Kit Request:
To learn more about the 
Check:R solution just give us a call at 719-592-9398. Or, if you like, fill out our on-line CONTACT FORM to get a FREE fully configured Check:R trial kit - branded with your corporate logo, and with enough supplies to make 40 checkbooks.  PLUS we will include an ON-LINE ORDERING PAGE mock-up so you can see how clients would do their own check order entry. add to your website. get back to you with a response within 48 hours.




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