SimpleChex

SimpleChex is a browser-based check-preparation service for small businesses and bookkeepers. It suits teams that need bank-compatible printed or emailed checks without replacing their bank, while larger operations should weigh its plan structure and web-only delivery.

Overview

SimpleChex generates business checks as PDFs with routing and account numbers rendered in the E-13B MICR font used by bank scanners. You can print on ordinary white paper or blank check stock, including Costco NL-VT-compatible stock. An emailed PDF lets the recipient print a paper check and deposit it like a conventional check.

This is not a payment processor: SimpleChex does not hold, transmit, or process funds. Checks clear through the bank relationship you already use, so the service handles preparation and delivery rather than money movement.

Key features

Check creation and repeat payments

Save payees and their addresses for recurring work. A signature image or typed signature can be stamped onto each check. Logs cover individual checks, batches, and emailed checks, and past checks can be reprinted as PDFs. Those records make repeated disbursements and internal tracking more manageable, although bank records remain separate.

Printing and emailed checks

MICR output is designed for bank-scanner reading, and support for both plain paper and blank stock gives businesses flexibility over supplies. Emailing a PDF can avoid mailing a check, but the recipient still has to print it and deposit it.

Payroll workflow

QuickBooks payroll users can upload a payroll PDF; SimpleChex adds a MICR line to each page. This is a targeted payroll-document conversion rather than a broader accounting import, since no accounting import integration is provided.

Teams and security

Firm users can invite unlimited team members and limit each person's access to selected businesses or bank accounts. Data is encrypted in transit with TLS 1.3 and at rest with AES-256, with workspace isolation enforced through Postgres row-level security. Email support is offered at [email protected], with a typical response time of one business day.

Pricing

The Free plan's 10-check monthly ceiling is the main trade-off; it also allows only one user. Solo removes the check quota but remains limited to one business and one user. Firm costs more but is the only tier built for shared access and multiple businesses. There is no free trial, so testing beyond the permanent Free allowance requires a paid subscription.

Platforms

SimpleChex runs on the web, making it accessible from a browser rather than as a desktop or mobile application. Printing still depends on your own printer and compatible paper or check stock.

Who it's for

Small businesses that issue occasional checks can start with Free, provided ten checks a month is enough. A single administrator with recurring volume gets the clearest value from Solo's unlimited checks. Bookkeepers and firms handling several client businesses should choose Firm for its business-level access controls and unlimited team members. Organizations seeking integrated accounting imports, native mobile apps, or independent payment processing should look elsewhere.

Pros and cons

• Pro: E-13B MICR encoding supports checks intended for bank scanners.
• Pro: Plain-paper, blank-stock, Costco NL-VT-compatible printing, and emailed PDFs cover several delivery workflows.
• Pro: Check, batch, and email logs plus PDF reprints aid repeat payments and records.
• Pro: Firm combines up to 10 businesses with unlimited team members and scoped account access.
• Con: The Free plan permits only 10 checks per month and one user.
• Con: Solo remains one-business and single-user, so shared operations must pay for Firm.
• Con: It does not move funds or provide accounting imports; your bank and existing processes remain essential.

Alternatives

CHECKPRINT is a better fit if you need Android or iOS access, one bank account with unlimited checks on its free plan, and can accept watermarked PDFs stored for 30 days. Choose Zil Money when you want a broader transaction service with limited free monthly transactions and paid unlimited-transaction tiers. Cheqaat suits Windows users wanting a 30-day, no-card trial with unlimited cheque printing, multi-bank templates, bulk preparation, and PDF export. ChequeMaster is for personal, non-commercial Windows use with unlimited banks, accounts, layouts, and printed cheques. ChequePro is an option for Windows users who prefer a one-time $99 Essential plan and device-based limits. PrintCheck offers free, no-signup web printing with batches up to 500 checks and five templates. SwiftCheckPrint is a free web option with guest use and user-supplied printer and check stock. TROY AssurePay Check targets medium-to-large businesses and requires a quote.

Verdict

Choose SimpleChex if you are a small business or bookkeeper that needs MICR-ready checks, repeatable records, and bank-connected clearing at a low monthly cost. Solo is the practical single-user upgrade, while Firm earns its price for multi-business teams. Look elsewhere if you need native mobile or desktop software, accounting imports, or a service that processes payments instead of preparing checks.