About
Checks, made powerful again.
CheckBooks.ai is software for writing, signing, sending and tracking checks drawn on your own bank account. Every check is sealed, so the person you pay can prove it is genuine, unaltered and not voided before they deposit it.
CheckBooks.ai is software, not a bank, and holds no funds.
Why a check
A check is a payment you stay in control of. You write it to a person by name, sign it with your own signature and choose its date.
The money leaves your account only when the person you pay deposits it. Before that you can void the check, and anyone who checks it will see it is void. Your bank can also stop the payment.
An instant transfer is gone the moment you press send. A check is a signed statement with your name on it, and a record behind it.
“I think the check is human nature. It is not money that is gone the moment you send it, and it is not a wire. It is a statement you have power over: your signature, your name, and a day or two when you can still cancel it.”
Mike Munteanu, founder of CheckBooks.ai
What failed was the paper
Checks still carry the payments that matter. But paper is easy to steal and easy to change. Fraud is killing the paper, not the check, so we rebuilt the check as software, with the proof built in.
What CheckBooks.ai does
On your own bank account
Write a check from your personal or business checkbook. CheckBooks.ai writes the amount in words and numbers each check.
With your own signature
You sign with your own saved signature. A delegate signs with their own, never with yours.
By link, or on plain paper
Email it as a secure link the person you pay opens on any phone, or print it on plain paper. Your bank deposits it like any other check.
Sealed when it is written
Every check is sealed on KeyHalve, an independent verification service. Anyone holding it can check, free and with no account, that it is genuine, unaltered and not voided.
Under your limits
Give the people who work with you the authority to write checks from your personal or business checkbooks, under your limits and your control. Above a limit, the check waits for your approval.
The assistant you already use
Connect it to prepare checks for you to sign, or give it permission to sign and send them within limits you set, with an email to you for each one.
And the record behind every check: where each one stands, your payees and invoices with it, and QuickBooks kept in step.
Who it is for
- Small businesses that still pay by check
- Contractors and freelancers
- Landlords and property managers
- Bookkeepers and accountants
- Anyone who wants a check they can prove
What we believe
Prove it before the money moves.
The time to catch a bad check is while it is still in the hands of the person you paid.
Checking a check is free.
For anyone, any bank and any system, with no account and no fee.
We never hold your money.
Your own bank pays your check. CheckBooks.ai never holds or moves the funds.
Proper work over fast work.
Security is part of the product. So is clarity.
Our story
When I build, I never build for now. Checks are here forever, and they are losing now because of fraud. We want to keep the check payment and its history, make it digital, secure it from fraud, and give it the same power it had when the check was the technology, not just printed paper.
- April 2026CheckBooks.ai begins with two ideas: a check you write on your own account, and a way for the person you pay to prove it.
- May 2026The first version goes live.
- July 2026Every new check is sealed on KeyHalve, and a real check goes from writing to deposit, end to end.
- October 2026Bank verification through Plaid, paid plans, and checks your AI assistant can write and send within your limits.
- November 2026The Android app goes live on Google Play; the iPhone app planned.