Initially top stub checks were used by small or family run businesses. The top stub checkbook cover that they used quite often resembled a ledger or a similar record keeping book. It was usually a series of checks with the register at the top of each check. However, this type of top stub checkbook cover was not practical for the average person.

As the demand increased for individuals to have top stub checks, the need for covers for these arose as well. When one establishes a checking account, a complimentary cover is provided. Top stub checkbook covers are no different, but there might be a slight charge for the initial cover.

Top stub checkbook covers, as with other checkbook covers, come in a wide vareity of styles, patterns and might have different features. Some top stub checkbook covers provide a place for a pen, pockets for notes and records. The least expensive top stub checkbook cover is around $14.00. The price will vary depending on the material used for the cover and the features that one desires in their checkbook cover.