TopTenREVIEWS - Gold Award - Awarded for excellence in design, usability and feature set

The one-stop application that allows users to customize, personalize and digitize checks is VersaCheck X1 Gold, our TopTenReviews Gold Award winner for check writing software. The application is top in features and ease compared to the competition. Users will benefit from VersaCheck X1 Gold's proactive approach to counterfeit prevention, real-time deposit alerts, money management tools and much more.

Feature Set
Compare
10/10
VersaCheck
Checksoft 2010
Quicken
InstiCheck
Just Checking
QuickBooks
Check Launch
Goldenseal
Cheque Printing Software
10
9.8
9.1
9.5
8.6
8.1
7.5
7.3
6.3

VersaCheck X1 includes a plethora of check writing and design features plus easy-to-use home and small business bookkeeping features. If you are in the market for an application that focuses on check writing and you never use the bookkeeping features VersaCheck X1 offers, it is still worth the price.

With the latest check writing features offered through this application, you can completely personalize and protect your checks. VersaCheck's DNA logo goes on each one so the payee is encouraged to verify the account's ownership, and a reverse printing technique is used to make the checks very difficult to reproduce.

VersaCheckX1 allows you to personalize every aspect of your personal and business checks, including font styles, logos and shapes. You can choose from over 300 handcrafted images as you customize existing templates or make your own check from scratch.

VersaCheck prides itself in their point-and-click interface that allows users the ability to follow on-screen instructions, enter information, choose and insert graphics and print or email. We found the process to be literally that easy, and it required only a moment to accomplish the tasks we set out to complete.

For check writing and printing the application is equipped with a Magnetic Ink Character Recognition (MICR) line that is printed on the bottom of checks. Banks use the MICR line to verify information on the checks they receive and to process large numbers of checks each day. Banks are able to manually process checks without the magnetic MICR toner line; however, some may require you to you to purchase MICR toner ink if you will be printing out large quantities of checks. We found that it’s in the user’s best interest to check with their bank before printing checks without the magnetic ink and then getting checks returned with the fees that accompany them. We recommend printing the entire check with MICR toner.

This will ensure that your checks are accepted by any financial institution and any additional costs are minimal compared to manual check processing or check rejection fees.

Users can print checks on any paper they want. Before they were saddled with having to deal with paper that was compliant with the program, but now they can bring out whatever paper they have on hand and start printing checks immediately. Another helpful feature this program has is its built-in Positive Pay support. This feature allows you to associate your checking account numbers with individual transactions. When you're dealing with a transaction that doesn't come up on your reports, there's the possibility that you have become a victim of fraud.

We like how easy it is to import existing check, payee and account data from other places – Quickbooks, Quicken, Peachtree, Excel and more. VersaCheckX1 recognizes .qif, .csv, .txt, .iif, .xml, and .qbw formats. You can also export data to create reports in Word, Excel, Access and more.

The “Contact Manager” feature allows you to track who you pay along with their contact information and pay history. Transactions can be organized or sorted by payee, date, check number, or transaction type. The only drawback we found to this application was that it didn’t provide tax reports or link to another tax preparation program; however, this feature was recommended for use at tax time when you need a list of payment reports.

The home bookkeeping features from VersaCheck X1 allow you to view or print reports that include information on cash flow, checking transactions and account balances. The application will also generate full color graphs for net worth, income and expenses.

The application allows you to send, approve and receive checks via email to avoid the hassle of postage. One of the most unique features in VersaCheck X1 Gold's package is the ability to accept check payments online, by fax or over the phone. We found this feature very simple to use, and it’s geared toward small businesses, to help avoid credit card fees. With the activation of a merchant account, you can even use VersaCheck X1 Gold to take credit card payments by phone, fax or email.

For small businesses, you can view or print a balance sheet, inventory list, estimates and invoices, profit and loss and sales reports by customer or project.

Ease of Use
Compare
10/10
VersaCheck
Checksoft 2010
Quicken
InstiCheck
Just Checking
QuickBooks
Check Launch
Goldenseal
Cheque Printing Software
10
9.9
9.8
9.7
9.1
9.5
9.5
8.8
8.8

VersaCheck X1 has an attractive graphical user interface (GUI), a full menu toolbar across the top and icons lining the left side of the window to help you navigate the application. The layout makes it easy to explore on your own; although, a user manual is included with the application. Each icon used in the application is adequately subtitled to eliminate guessing what each represent, although they are depicted well. Once a feature is opened the wizard helps make data entry quick and easy by prompting where information should go. A wizard will walk you through account setup and check design. As you’re customizing your checks, the application will remind you if you have left out any important check fields before moving on to the next design step.

Writing a check is very simple. A graphic of a check is shown on the computer screen with account information like your name and address and your bank’s name and address automatically entered in the proper fields. The fields for payee, date, amount, memo and reference fields are left blank; simply click on each field and enter the desired text.

To make ordering check supplies easy, there is a direct link within VersaCheck to order MICR toner and check stock.

Ease of Installation/Setup
Compare
10/10
VersaCheck
Checksoft 2010
Quicken
InstiCheck
Just Checking
QuickBooks
Check Launch
Goldenseal
Cheque Printing Software
10
10
9.5
9.2
9.1
8.9
7.5
7.5
7.5

To use VersaCheck X1 Gold, you will need a PC or Pentium II processor, 120MB of hard disk space, 150MB for the .NET framework and a minimum of 128MB of RAM. The application is compatible with XP, Vista, and Windows 7. To print checks you will need an inkjet or laser printer and a MICR toner cartridge.

VersaCheck X1 Gold is easy to install but takes a little more time than other check writing applications because of all the graphics files included with the software. If you order VersaCheck X1 through the mail, an install wizard will walk you through the installation steps.

Help/Support
Compare
10/10
VersaCheck
Checksoft 2010
Quicken
InstiCheck
Just Checking
QuickBooks
Check Launch
Goldenseal
Cheque Printing Software
10
9.5
9
8.6
8.6
9
8.8
8.8
7.5

VersaCheck X1's manufacturer, VersaCheck.com has a FAQs section on their website. You can download a user’s guide or you can locate the guide in VersaCheck X1's help menu where you can also search for specific help topics. Technical support can be reached by email from VersaCheck.com's website. We contacted VersaCheck’s customer representatives regarding installation and small business bookkeeping features and waited less than five minutes before we reached a representative. The representative was very helpful and answered every one of our questions with very little wait time. His knowledge of the software was very impressive and we knew that we were in good hands.

VersaCheck Summary:
10/10

VersaCheck X1 Gold offers dozens of check templates and hundreds of handcrafted images and graphics to help you personalize your checks. The application is extremely easy to use and installation is a breeze. It has, by far, the best features we have seen in check writing software and offers a vast selection of accounting features as well. This application will not disappoint you with its features or ease of use.

 

 
 
 

VersaCheck X1 Gold

Pros
The DNA logo and reverse printing features add protection to each check you print.

Cons
VersaCheck X1 Gold doesn't link with tax applications.

The Verdict
: 10/10

This product has the interface and the features that provide ease, function and security for bookkeeping and check writing/printing.