Are Costco checks legit? Do you buy them?

[Anonymous]

Anonymous wrote:

Anonymous wrote:I noticed the price is a fraction of what I pay with my bank! But, then I was reading about security issues?
Is that really an issue? Has anyone else gotten checks from Costco?

Are they "legit"? are you really asking this question?

You think that a major big box retailer would offer a product like this and have it be "not legit"?

There is some discussion online that Costco checks don't have the same security features as a bank.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I can't believe people actually buy checks from their banks.

Yeah if my bank doesn't offer free checks forever I'm not using them. I only use about 20 checks a year. As soon as I can get my cleaners to use venmo, PayPal, I'll never have to write a chech again!

I use a lot of checks, because I don't carry cash.

I use checks for the following:
1) tutor
2) therapists
3) cleaning service
4) lawn care
5) doctor co-pays - even though I know they accept credit cards, I try to be cognizant of the fact that its expensive for especially small businesses to process them. So I write checks instead

Seriously? They'd prefer that you pay by credit card. It's much less work for them.

[Anonymous]

The biggest problem with Costco Checks is that it takes a month to deliver. No idea how long it takes for delivery of overpriced bank checks.

[Anonymous]

I've been using costco checks for years with no issue.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I noticed the price is a fraction of what I pay with my bank! But, then I was reading about security issues?
Is that really an issue? Has anyone else gotten checks from Costco?

Are they "legit"? are you really asking this question?

You think that a major big box retailer would offer a product like this and have it be "not legit"?

There is some discussion online that Costco checks don't have the same security features as a bank.

This site uses costco checks as an example of good security.

COSTCO checks are printed by the same printer that prints checks from my bank Harland Clarke

I got costco checks for about $0.03 each. The ones from the bank were almost 10 times as much. Still not a big deal but a bit of a rip off.

[Anonymous]

Oops forgot the link:

https://www.bankrate.com/banking/checking/cheap-checks-may-lack-security-and-leave-you-vulnerable-to-fraud/

[Anonymous]

I only buy checks from Costco ever since I discovered how cheap they are. Never had a problem.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I can't believe people actually buy checks from their banks.

Yeah if my bank doesn't offer free checks forever I'm not using them. I only use about 20 checks a year. As soon as I can get my cleaners to use venmo, PayPal, I'll never have to write a chech again!

I use a lot of checks, because I don't carry cash.

I use checks for the following:
1) tutor
2) therapists
3) cleaning service
4) lawn care
5) doctor co-pays - even though I know they accept credit cards, I try to be cognizant of the fact that its expensive for especially small businesses to process them. So I write checks instead

Seriously? They'd prefer that you pay by credit card. It's much less work for them.

With mobile deposits and a relatively low volume of payments, I can totally see where office staff for a small business is able to process paper check payments without actually incurring additional costs while also saving the percent the card processors take.

[Anonymous]

We get our business checks from them. No issues.

Our personal account is with USAA and their checks are free.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Thank you! I was reading online that some banks won't accept checks that are not printed through them. It's a pretty significant price savings, so maybe they do it as an empty threat.

Plus, it's the same company (Harland Clarke) whether I do it through the bank or through Costco.

What you read is not true. You can write a check on anything and the bank has to accept it. Write it on a pair of panties with lipstick. Its a valid check. Banks don't like this because it can't go through the automated clearing system, but they cannot refuse it.

If you’d have to include your account number and routing number so just write a check.

[Anonymous]

we used to get our checks off of vistaprint. they cost like $2.50. we hardly use checks anymore, i can't even remember the last time we ordered them.

[Anonymous]

I get mine from boa. No charge.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Thank you! I was reading online that some banks won't accept checks that are not printed through them. It's a pretty significant price savings, so maybe they do it as an empty threat.

Plus, it's the same company (Harland Clarke) whether I do it through the bank or through Costco.

What you read is not true. You can write a check on anything and the bank has to accept it. Write it on a pair of panties with lipstick. Its a valid check. Banks don't like this because it can't go through the automated clearing system, but they cannot refuse it.

Well I know for a fact that Capital One 360 accounts will not accept checks that are not from Capital One. It's the only bank I've seen that does that.

[Anonymous]

Anonymous wrote:Thank you! I was reading online that some banks won't accept checks that are not printed through them. It's a pretty significant price savings, so maybe they do it as an empty threat.

Plus, it's the same company (Harland Clarke) whether I do it through the bank or through Costco.

Banks can’t do that.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Thank you! I was reading online that some banks won't accept checks that are not printed through them. It's a pretty significant price savings, so maybe they do it as an empty threat.

Plus, it's the same company (Harland Clarke) whether I do it through the bank or through Costco.

Banks can’t do that.

You don’t need a check to be a “check”, either. If you have the routing number and account number and put all the right info on it you can present a “check” chiseled into a stone tablet. No one is required to accept it but if I accept it my bank has to process it for deposit. The FRB gets things like this every year.