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SimpleChex
What it is
SimpleChex is web software for creating business checks as PDFs with MICR-encoded routing and account numbers. Users can print checks on plain white paper or blank check stock, including Costco NL-VT-compatible stock, or email a PDF for the recipient to print and deposit like a check. The product uses the E-13B MICR font used by bank scanners.
Users can save payees and addresses, add image or typed signatures, and review a history of checks, batches, and emails; past checks can be reprinted as PDFs. Firm users can invite unlimited team members and restrict access by business or bank account. For QuickBooks payroll, a payroll PDF can be uploaded for MICR lines to be added to each page. SimpleChex says it does not hold, transmit, or process funds; checks clear through the user's existing bank relationship. The free plan includes one business, unlimited bank accounts, 10 checks per month, and one user. Solo costs $5 a month; Firm costs $19 a month, with additional businesses beyond 10 costing +$2/mo each.
For and against
For
- Prints checks on plain paper or blank stock.
- Supports emailed check PDFs.
- Saves payees and signature options.
- Keeps check, batch, and email history.
- Firm plan includes unlimited team members.
Against
- Free plan is limited to 10 checks per month.
- Free plan allows one user.
- Solo plan costs $5 a month.
- It does not hold or process funds.
The verdict
SimpleChex covers check creation, printing, emailed PDFs, and check history, with plans for solo users and firms. Its checks clear through the user's bank, rather than through SimpleChex.
Who it suits
SimpleChex is aimed at small businesses and bookkeepers that need to print or email business checks. Firm access may suit teams handling multiple businesses or bank accounts.
Plans and prices
Free
1 business · unlimited bank accounts · unlimited checks first 90 days, then 10/month · real MICR E-13B
Read 15 Oct 2026 · simplechex.com
Solo
1 business · unlimited bank accounts · unlimited checks · real MICR E-13B
Read 15 Oct 2026 · simplechex.com
Firm
up to 10 businesses · unlimited bank accounts and checks · unlimited team members · per-business and per-bank scoping
Read 15 Oct 2026 · simplechex.com
On the record
- API and SDKs
- The official pages reviewed describe browser workflows and PDF processing but do not state a public API, SDK, or self-hosted deployment.simplechex.com · read 15 Oct 2026
- Audit history
- The product logs checks, batches, and emails and allows prior checks to be reprinted as PDFs.simplechex.com · read 15 Oct 2026
- Availability limitation
- The terms provide the service as available without guaranteeing a specific uptime percentage.simplechex.com · read 15 Oct 2026
- Bank relationship
- SimpleChex does not hold, transmit, or process funds; checks clear through the user's existing bank account.simplechex.com · read 15 Oct 2026
- Capterra description
- Capterra describes SimpleChex as cloud check-writing software requiring no installation, with plain-paper MICR printing, email checks, multi-business workspaces, and audit logs.capterra.com · read 15 Oct 2026
- Costco stock layout
- The layout is pre-tuned for Costco NL-VT blank check stock and can be adjusted for other stock.simplechex.com · read 15 Oct 2026
- Data export
- Users can export account data as JSON, with account and routing numbers redacted.simplechex.com · read 15 Oct 2026
- eChecks
- SimpleChex can email a check PDF to a recipient, who can print it on plain paper and deposit it like a check.simplechex.com · read 29 Sep 2026
- Email eChecks
- Checks can be emailed as PDFs from [email protected] for recipients to print and deposit.simplechex.com · read 15 Oct 2026
- Free-plan limit
- After the first 90 days, Free allows only 10 checks per calendar month for one business.simplechex.com · read 15 Oct 2026
- GetApp deployment
- GetApp describes SimpleChex as a web application with one-time bank-account setup and no pre-printed check stock requirement.getapp.com · read 15 Oct 2026
- Integration
- For QuickBooks payroll, users can upload a payroll PDF and SimpleChex adds a MICR line to each page.simplechex.com · read 29 Sep 2026
- Licence
- The terms prohibit reverse engineering, scraping, and reselling or sublicensing, and no open-source licence is stated.simplechex.com · read 15 Oct 2026
- MICR
- The product uses the real E-13B MICR font used by bank scanners.simplechex.com · read 29 Sep 2026
- MICR printing
- The service uses the real ANSI X9.13 E-13B magnetic font so bank scanners can read checks printed on plain paper.simplechex.com · read 15 Oct 2026
- Multi-business workspace
- One workspace can contain multiple businesses, each with separate bank accounts, layouts, payees, and check numbering.simplechex.com · read 15 Oct 2026
- Not a payment processor
- SimpleChex says it does not hold, transmit, or process funds; checks clear through the user's existing bank relationship.simplechex.com · read 29 Sep 2026
- Payees and signatures
- Users can save payees with addresses and add a signature image or typed signature that is stamped on checks.simplechex.com · read 29 Sep 2026
