Personal Top Stub Checks

Personal top stub checks are a practical choice for anyone who wants a built-in record of every check they write without maintaining a separate ledger. Unlike standard checkbooks where you fill in a register on the side, top stub checks include a perforated stub directly above each check. You write the check, record the details on the stub, tear the check along the perforation, and your record stays bound in the book. Checkomatic has been producing these from Monroe, NY since 1997, and every check meets American Bankers Association standards.

What Are Top Stub Checks and How Do They Work?

Top stub checks are personal checks printed in a spiral-bound format where the record-keeping stub sits at the top of each check rather than in a separate register. When you write a payment, you fill in the stub at the top with the same information: payee name, amount, date, and purpose. You then tear the check off along the perforated edge and send it. The stub remains in the book permanently, giving you a chronological record of every payment made.

This format suits people who find separate check registers inconvenient or who tend not to keep them updated consistently. The stub is physically attached to where you wrote the check, so the record-keeping happens at the same moment as the payment rather than as a separate step.

They work the same way at the bank as any other personal check. Top stub checks are accepted at all major US banks including Chase, Bank of America, Wells Fargo, Capital One, Citibank, and TD Bank. They are not software-dependent. You write them by hand, exactly like any traditional check.

What Is Included With Every Top Stub Personal Check Order

Every order of personal top stub checks from Checkomatic includes the checks themselves, several deposit slips pre-printed with your account and routing number, and a check register for tracking your overall account balance. The checks are spiral-bound, which keeps the book flat when open and makes it easier to write on a firm surface.

Top stub checks are available in single or duplicate format. Single checks are one sheet per check. The duplicate format includes a carbon copy beneath each check that records your entry automatically. You tear the original off and send it. The carbon copy stays beneath the stub as a second layer of record keeping.

If you prefer a checkbook format without the top stub, our personal checkbooks with check register are available and include a side register for balance tracking.

Who Orders Top Stub Personal Checks

Top stub checks are used by individuals, home-based business owners, landlords collecting rent by check, and anyone who prefers a traditional paper-based payment method with reliable built-in record keeping.

They are particularly useful for people who:

Write checks regularly and want the record attached to the check book rather than in a separate register
Prefer duplicate copies of every payment as a fraud and dispute protection measure
Manage a small number of household or business accounts without accounting software
Want an affordable alternative to bank-issued checkbooks with better security features

For those who need a desk-sized format with three checks per page, our personal deskset checks with perforated stubs offer a larger format with the same stub-based record keeping. For portable use, our manual pocket business checks are compact and carry-friendly.

Security Features on Every Top Stub Check

Every top stub personal check Checkomatic produces includes protection built into the paper stock. These are not cosmetic features. They are physical and chemical safeguards against the most common forms of check fraud.

Microprinting along the signature line that blurs beyond legibility on any standard photocopy
Heat-sensitive ink that disappears when the check surface is warmed, flagging any bleaching or wash attempt
Chemical-reactive paper that stains visibly when exposed to bleach, acetone, or solvent
Void pantograph that reveals the word VOID clearly on any photocopy
True watermark visible from both sides when held to light

Why Choose Checkomatic for Top Stub Checks

Checkomatic has manufactured personal and business checks from Monroe, NY since 1997. Every check exceeds ABA specifications and ships fully customized with your name, address, and banking details pre-printed. Orders include deposit slips and a check register. Standard delivery runs 5 to 7 business days. Rush options are available. All orders carry a 30-day satisfaction guarantee.

Personal top stub checks are a reliable, affordable way to manage payments with built-in record keeping. Whether you need singles for straightforward use or duplicates for a stronger paper trail, Checkomatic produces them to ABA standards with your details pre-printed and ready to write from the first check in the book.

Production Time: 3-5 Business days for production

Shipping Methods: Ground, 2 Day, and Next Day - Choose at checkout.

Rush Option: Rush + $29.95 - Orders will be processed within 3 business days and will ship with method chosen at checkout.

* Orders placed before 3:pm EST (Mon-Thu) Excluding Holidays

Q: What Is a Top Stub Check?

A: A business entity or organization needs various types of checks for its daily operations. The checks can be of numerous types. They can be Quickbooks checks or manual business checks, blank business checks or blank personal checks, computer checks, and personal checks. These checks can be further categorized as single checks, checks on top, checks in the middle, checks on the bottom, three to a page checks, laser checks, and checks with stubs. The stub checks that are generally used, have a stub attached to them. This stub provides the details of the check. These details can include the invoice number, the amount paid, and the name of the receiver. A stub check can have a stub on their top, on the bottom, or to their side. A top stub check is generally wire bound. These stubs present on them can easily record the details of the deposit.

Q: Is a Paycheck a Pay Stub?

A: A pay stub can also be known as a check stub. These pay stubs come in various forms. They can be either a part of the paycheck or can be a separate document. These documents or stubs record the details of the employee’s pay. The stub can also list or itemize the wages earned by an employee for a certain pay period and can include their year-to-date payroll information. Detailed tax reports and other deductions of an employee's earnings can also be found in the check stubs. The use of QuickBooks payroll checks is prevalent and you can opt for the same too.

Q: How Do You Get a Check Stub?

A: A person can obtain pay stubs by employing numerous methods. They can order them online or buy them locally. While ordering them they have to ensure the authenticity of the seller and the product. If they are ordering the check stubs online they can buy them from a specialized check vendor or a check printing site. In case the check stubs are ordered locally, they can be bought from any nearby stationery shop. Some checks also come with stubs attached to them. An individual can also ask their employer to provide them with stubs when their payroll is issued. They can also print their own stubs using specialized accounting software.