Blank laser checks on top are print-on-demand check stock with the check area at the top of a standard 8.5" x 11" sheet and two perforated stubs below it. Your check printing software fills in the payee, amount, date, and MICR line at print time. Your company name, address, bank name, routing number, and account number come pre-printed on every sheet before it ships. Standard laser or inkjet toner handles the variable output from your software. This is the most widely used blank check format and the default layout for QuickBooks, Quicken, MYOB, and most mainstream accounting platforms.
What Are Blank Laser Checks on Top and How Is the Format Different From Pre-Printed Checks?
Pre-printed checks have all banking details fixed on the paper at the time of manufacturing. They work for single-account businesses that order checks in one format and don't need to print across multiple accounts.
Blank laser checks on top work differently. The check position, stubs, and security features are printed on the paper before it ships. The MICR line, the row of magnetic numbers at the bottom of the check that carries your routing and account information, is also pre-printed in magnetic ink. When you run a payment batch through QuickBooks or any other accounting software, the software prints only the variable transaction data: payee name, dollar amount, date, check number, and memo.
The practical result is that one stack of blank check stock on top covers every bank account your operation runs. When banking details change, you update the software. You don't reorder paper.
Blank Laser Business Checks on Top: Which Software Uses This Format?
The check-on-top layout is the default for QuickBooks Desktop and Online, Quicken Home and Business, Quicken Premier, MYOB, Microsoft Money, and most other widely used personal finance and small business accounting platforms. When these platforms run a check print job, they output the payment data to the upper third of the page where the check fields sit, with stub detail printed below.
If you're using a platform that defaults to a different check position, using top-format stock causes misalignment. Check your software's check printing settings before ordering. For the check-in-middle format used by Sage and Peachtree, browse blank checks in the middle. For the bottom format required by DacEasy and Sage MAS 90, browse blank checks on bottom. For all blank check formats in one place, see the full blank check stock category.
What Are Blank Laser Voucher Checks and Why Is Top the Most Common Format?
The check-on-top layout is also called a voucher check format because the two stubs below the check function as vouchers: one goes to the payee as a payment remittance record, one stays in your files as an accounts payable or payroll log. That built-in two-stub documentation system is why this format became the accounting software default for AP and payroll workflows. You get a physical record of every payment attached to every check, without any extra steps.
The top position is also what most businesses are already set up to print. If you're switching from pre-printed voucher checks to blank check stock, top-format stock lets you keep the same software configuration, the same envelope setup, and the same filing workflow. Only the paper changes.
Why Order Blank Check Stock on Top From Checkomatic
Checkomatic manufactures blank check stock in-house from Monroe, NY and ships direct. Every sheet is 28lb MOCR bond paper at the standard 8.5" x 11" size, Check-21 compliant, and formatted to ABA specifications. Security features built into every sheet include chemically sensitive paper that reacts visibly to alteration attempts, a void pantograph, thermochromic heat-sensitive ink, coin-reactive ink, invisible fluorescent fibers, and a visible watermark. These are standard on every order, not an upgrade tier.
High-security upgrade stock is available for accounts requiring additional anti-tamper layers. Bulk discounts apply automatically at higher quantities, and most orders ship within the standard 3 to 5 business day window. Rush B delivery on your first 50 sheets is available at checkout for urgent payment runs.
For pre-printed checks in the check-on-top voucher format, browse business checks on top. For matching envelopes, our double window check envelopes are sized for the check-on-top format and available in gummed and peel-and-seal closures.
The print-on-demand approach removes the need to manage separate check stock for each account. If your software defaults to the top format, this stock is the right match for your next check run.
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