The only time I can imagine this being a problem would be:

• If you happened to have two or more sequences of 5-digit check numbers for the same checking account. Most checking accounts would use only one sequence of numbers, so it would be obvious that 220 actually means 10220.
  
• If you have more than 10,000 checks per year in one checking account.
  

quote:

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From Financial Navigator Help

Chk # — Enter a number with as many as four digits (1-9999).

Note: When you reach check number 10000, simply begin the numbering scheme over again from 1 (10001) to 9999 (19999).

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