Computer checks on bottom are pre-printed business checks with the check positioned at the foot of an 8.5 by 11 inch sheet and two perforated stubs sitting above it. Your company name, bank name, routing number, account number, and logo are printed before the order ships. Your accounting software fills in the payee, amount, date, and check number at print time. The bottom format is the preferred layout for payroll operations because employees see their earnings and deduction detail in the stubs before the check when they open the envelope. Manufactured in Monroe, NY since 1997, every check meets and exceeds ABA standards.
What Are Computer Checks on Bottom and Who Uses This Format?
In the check-on-bottom layout, the payment check appears at the foot of the sheet. Two stubs run above the check. This is the reverse of the check-on-top format, which is the default layout in most accounting software. The bottom format requires a matching software template setting to align correctly.
The main reason businesses choose this layout is payroll. When a paycheck envelope is opened, the stub detail at the top of the sheet is the first thing visible. Employees and contractors see their gross pay, deductions, and net pay before they reach the check itself. For high-volume payroll operations processing many employee payments per cycle, this layout reduces follow-up questions about pay calculations because the earnings summary is presented clearly before the check.
Some AP workflows also use the bottom format when specific internal controls or filing systems require the stub sections at the top of each sheet. If your accounting software's check-on-bottom template requires this layout, these are the checks to order.
Business Checks With Stubs: How the Two-Stub Layout Works
The two stubs above the check carry the detail fields your accounting software populates from the payment transaction. For payroll checks, this typically includes the pay period dates, hours, gross pay, tax deductions, benefit deductions, and net pay. For AP checks, this carries the vendor name, invoice numbers, account codes, and payment description.
One stub goes to the payee when you send the check. The other stays in your records as your internal copy. Both are perforated along the fold lines, so they tear cleanly when you separate them from the check sheet after printing.
If your accounting software uses the check-on-top template rather than the bottom template, see our computer checks on top, which is the more common format for general AP printing. For the check centered on the page with one stub above and one below, see our computer check in middle. For three checks per sheet with no stubs, our computer checks 3-on-a-page are the lowest-cost per-check option for high-volume operations.
Software Compatibility and Business Check Printing
Computer checks on bottom are compatible with any accounting software that supports a check-on-bottom print template. This includes QuickBooks, Xero, Sage 50, Quicken, Deltek, and most other platforms. Confirm your software's check printing settings before ordering to make sure you select the format that matches your current template.
For a full list of compatible platforms across all check formats, see our accounting software compatible checks catalog. If your software uses a non-standard template, contact us before ordering. We can confirm compatibility and have custom-formatted check stock for hundreds of programs.
Every check is compatible with laser and inkjet printers. Software is required to fill in the variable fields. The MICR line at the bottom of the check is pre-printed to ABA standards and does not require MICR toner from your office printer.
Security Features and Customization Options
Every computer check on bottom from Checkomatic includes fraud protection built into the paper stock:
- Microprinting along the signature line that blurs on any photocopy
- Heat-sensitive ink that disappears when the check surface is warmed
- Chemical-reactive paper that stains when exposed to bleach or solvent
- Void pantograph that reveals VOID on any copy of the check
- True watermark visible from both sides when held to light
High security adds DocuGuard protection layers for organizations processing high-value payroll or AP payments. Three background design families are available: Diamond, Marble, and Prismatic, with multiple color options in each. Free black and white logo printing is included on every order. Full-color logo printing is available for a small additional fee.
Why Choose Checkomatic for Computer Business Checks
Checkomatic has manufactured computer business checks from Monroe, NY since 1997. Every order ships pre-printed with your details and free logo included. Orders are available from 50 checks upward with bulk discounts at every quantity tier. All orders carry a 30-day satisfaction guarantee. Standard delivery runs 5 to 7 business days with rush production and expedited shipping available for urgent payroll or AP deadlines.
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