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Personal checks allow users access to the funds saved in their bank checking accounts. They were introduced with the purpose of making monetary transactions safe and easy to track and record.

Personal checks contain information such as an account-holder's name, account and routing number, and sometimes even personal details such as date of birth and phone number, printed on the check. If a user wishes to be innovative, there is the option of designer personal checks, which come in an array of different styles. Designer personal checks are considered more secure than regular personal checks because of their intricate, hard to imitate designs.

Personal checks have a major advantage in that they are in the issuer's control for the longest time. Unlike cash and credit/debit deals where the money is transferred instantaneously, checks take time to clear. Moreover, they require a personal visit to the bank by the receiving party and thus reduce the risk of impersonation.

The best place to buy personal checks is the Internet where discounts in business transactions are the norm. While ordering checks online, it is essential to ensure that the bank concerned is affiliated to or accepts checks from the online agency giving them out. This is because there are websites that dupe customers by delivering fake checks.

Ordering in bulk quantities of 100-120 checks per book is one way of getting discounts on personal checks. Discounts on personal checks are useful for people running small-scale or home businesses. Certain websites are willing to offer prices rebates of up to 50% for personal checks. It is imperative to check references on the companies that make such logic defying claims before placing orders with them. However, there are many genuine companies that offer high discounts on personal checks, typically they have a large stock of designer checks that have gone out of fashion or have been produced in surplus quantities. Ultimately, discounts are a matter of vigilance and research.