While check use has declined, checkbooks still serve practical purposes like backup payments and recordkeeping. Contemporary checkbook designs pair traditional check formats with functional covers: pen holders, card slots, receipt pouches, calculators, and phone pockets. Materials range from leather to vegan and recycled options. Many buyers personalize checks and covers with themes from pets to professions. Keep checks secure, reconcile accounts regularly, and check for security features when ordering.

Why keep a checkbook today

Checks are less common than a decade ago, but many people still carry a checkbook. Checks can serve as a backup when cards aren't accepted, a way to send payments to people or organizations that prefer paper, and a record you can reconcile with your bank statements. Mobile banking has added conveniences like remote deposit, but a physical check and a dependable cover still have practical value.

Functional checkbook types and features

Checkbooks and covers now mix form with function. Traditional formats - side tear, top tear, and top-stub checks - remain available from banks and printers. Covers add practical features that make managing payments easier on the go.

Common cover features:

  • Pen holder and snap closure for secure storage.
  • Card slots for ID or bank cards.
  • Zippered pouch or receipt pocket to hold cash or receipts.
  • Built-in calculator or removable calculator sleeve for balancing registers.
  • Business-card or stub keepers to store payees and reference notes.
Some covers include a phone pocket sized for common smartphones, so you can keep your device and register together while you deposit or photograph checks.

Materials and sustainability

Leather remains a durable, classic option and develops a patina with use. Many buyers now choose alternatives such as vegan leather, recycled fabrics, or other eco-conscious materials. Plastic and synthetic covers still offer bright printing and textured finishes for grip.

When sustainability matters, look for covers marketed as recycled or made from plant-based materials. Check product descriptions for specific claims rather than relying on labels alone.

Personalization and themes

Modern checkbooks are as much a personal accessory as a tool. You can order checks or covers with photographs, artwork, hobbies, or professional motifs. Common themes include pets, sports, flags, celestial patterns, and career-oriented designs (teachers, first responders, etc.). Some vendors also offer designs that support or represent social causes.

If you prefer subtlety, choose a minimal pattern, monogram, or solid color in a material you like.

Security and practical tips

Treat checks as sensitive financial items. Keep your checkbook in a secure place, reconcile your transactions regularly, and report suspicious activity to your bank promptly. Many banks include security features in printed checks; when ordering, confirm what protections are included.

If you rarely use checks but keep one for emergencies, consider storing it in a secure spot and updating contact information with your bank so you can order more checks or stop payment quickly if needed.

Choosing the right style

Pick a cover that matches how you use checks. If you balance your register often, a calculator and roomy interior help. If you travel light, opt for slim covers with a pen loop and a slot for ID. Above all, choose a design that feels practical and reflects your personal taste.

FAQs about Checkbook Design

Are checks still accepted in 2025?
Yes. Many businesses and individuals still accept checks, though overall check use has declined. Checks remain useful for payments where electronic options aren't available or preferred.
What features should I look for in a checkbook cover?
Consider a pen holder, card slots, a zippered pouch for receipts, and a calculator if you balance registers often. A phone pocket is useful if you use mobile deposit or need your device handy.
What materials are available for checkbook covers?
Common materials include leather, vegan leather, plastics, and recycled fabrics. Choose based on durability, feel, and sustainability preferences.
How do I keep my checks secure?
Store your checkbook in a safe place, reconcile transactions regularly, and report suspicious activity to your bank. When ordering checks, review the security features offered.
Can I personalize my checks and covers?
Yes. Many vendors let you customize checks and covers with photos, artwork, monograms, or themed designs for hobbies and professions.