The Check Writer stack is just a bunch of checks, which you will fill out as you write your checks. Since most of bill paying is repetitive, once you have filled out, say, your elecric bill check, the only thing you will have to change from month to month is the amount. All of the "Pay to the order of ..." and "For ..." stuff will already be done, left from the last time. Also, you don't have to write the "longhand" amount — the Check Writer does it for you.