What Do You Need to Print Checks In-House?

Whether you're a bank, credit union, healthcare provider, manufacturer, government agency, or enterprise organization, printing checks in-house can help businesses save money and improve security with just a few materials. But what exactly do you need to print checks in-house?

A complete check printing solution consists of four essential components:

1. MICR Toner
2. A MICR Printer
3. Check Printing Software
4. Blank Check Stock

MICR Toner: The Foundation of Secure Check Printing

MICR (Magnetic Ink Character Recognition) toner is the specialized toner used to print the routing number, account number, and check number along the bottom of a check. These characters are printed in the E-13B MICR font and contain magnetic properties that allow banks and financial institutions to process checks quickly and accurately through automated sorting equipment.

Without MICR toner, checks may fail bank processing requirements, resulting in delays, manual handling, or rejected payments.

While traditional MICR toner provides magnetic readability, TROY MICR Toner Secure adds an additional layer of fraud resistance.

TROY MICR Toner Secure incorporates active fraud resistance technology that helps protect checks from alteration and counterfeiting attempts. It's the only MICR toner in the world that bleeds ready if any chemical alteration is attempted on a physical check. 

And that's not the only benefit:

• Bank-compliant MICR character printing
• Enhanced protection against check washing and alteration attempts
• Improved document security
• Seamless integration with TROY MICR printers
• Consistent performance and print quality

MICR Toner Secure has become the gold standard for check printing in the US, and across the world. 

 MICR Printers: Purpose-Built for Check Production

That brings us to the actual printer you need to print checks with. A standard office printer is not sufficient for secure, compliant check printing. Using a standard office printer could cause misalignments or issues with the print head if your printer isnt equipped to print the MICR toner. 

MICR printers are specially configured to work with MICR toner and produce the precise character placement and print quality required for financial documents. The good news? TROY has long standing OEM partnerships with HP and other mainstays of the print industry, that allow us to modify printers for MICR printing. 

TROY MICR printers are engineered specifically for secure payment printing environments. Available for a variety of print volumes and business requirements, TROY solutions deliver:

• Bank-compliant MICR printing
• High reliability and performance
• Secure check production
• Enterprise-ready deployment
• Compatibility with leading accounting and ERP systems

Organizations can print checks on demand, eliminating dependence on preprinted check inventories and reducing the risks associated with storing completed checks.

Intelligent Check Printing Software and Security

Hardware alone is only part of a complete check printing solution.

Organizations also need software that can securely design, print, and manage payment documents. 

TROY Pay is TROY Group's comprehensive payment printing software platform that enables businesses to create and print secure checks directly from their environment. 

Key capabilities include:

• Secure Check Design: Create professional check layouts with integrated security features and customizable branding.

• Payment Automation: Simplify check production workflows and reduce manual processes.

• Fraud Prevention: Leverage advanced security features that help deter check fraud and unauthorized document alterations.

• ERP and Accounting System Integration: TROY Pay works with many common business systems, allowing organizations to streamline payment operations without disrupting existing workflows.

• Centralized Control: Manage users, permissions, and printing processes across departments and locations.

Together with MICR printers and MICR Toner Secure®, TROY Pay creates a comprehensive secure payment ecosystem.

Blank Check Stock: Flexible and Cost-Effective

The final component of an in-house check printing solution is blank check stock.

Instead of ordering expensive preprinted checks, organizations can maintain a single inventory of secure blank stock and print all required information, including logos, account information, MICR lines, and security features, at the time of issuance.

Benefits of blank check stock include:

• Reduced inventory costs
• Greater flexibility
• Improved security
• Faster check issuance
• Elimination of obsolete preprinted forms

By printing checks on demand, organizations gain complete control over their payment process while reducing waste and administrative overhead.

Why Choose TROY Group?

TROY Group is unique in the marketplace because we provide the entire check printing ecosystem from a single trusted source. This integrated approach ensures compatibility, performance, and security throughout the entire payment printing process.

Made in the USA: For organizations that value domestic manufacturing, supply chain reliability, and local expertise, TROY Group offers a significant advantage.

American Manufacturing: TROY hardware and software solutions are designed, developed, and manufactured in the United States, helping organizations source critical payment infrastructure from a trusted domestic provider.

U.S. Based Software Development: TROY software solutions, including TROY Pay™, are developed and maintained in the United States by experienced payment security professionals.

U.S.-Based Technical Support: When assistance is needed, customers receive support from knowledgeable U.S.-based teams who understand check printing, MICR compliance, payment security, and enterprise deployment requirements.

Supply Chain Confidence: Domestic manufacturing and development help organizations reduce dependence on overseas suppliers while ensuring consistent quality and support.

The Complete In-House Check Printing Solution

TROY Group delivers all four as a fully integrated solution designed to help organizations improve efficiency, enhance security, reduce costs, and combat check fraud.

With TROY MICR Toner Secure®, MICR printers, TROY Pay™ software, secure blank check stock, U.S.-based support, and American-made solutions, organizations can confidently manage their entire check printing operation from a single trusted provider.

To learn more about TROY's complete secure check printing solutions, contact TROY Group today.