If you've ever sat down to pay bills only to realize you've run out of checks, you may be relieved to know you can use counter checks. Counter checks are temporary checks printed at your bank that can help you make payments in a pinch.

A standard personal check is pre-printed with your name, address, and account details and is part of a checkbook you ordered from your bank. A counter check (also called a "starter" or "temporary" check) is a blank check printed on-demand by a bank teller when you visit a branch in person. Counter checks are typically used when you have just opened an account and haven't received your permanent checks yet, or if you have run out. While they function the same legally, many businesses and landlords in 2026 are wary of counter checks because they lack your pre-printed personal information, making them easier to forge. Banks often charge a small fee (around $2–$5) for each counter check, whereas personal checks are often free or cheaper in bulk. For significant transactions, a "Cashier's Check" is a more secure alternative to both.