Abstract: The system and method for customizing credit cards, ATM/debit cards, gift cards, checks, membership cards and the like allows a user to create personalized products with a combination of images, text or sound clips using a kiosk, the Internet or stand-alone software. The user selects a product to create, such as a check, a gift card, a credit card or similar card. Next, the user places and arranges artwork on the selected product according to the user's preference. The image may be selected from a stored library, a scanned image, a memory device or an active camera. The user may also opt to add text or a sound clip to the product. Once the product is customized the user may install a money value on the product, if appropriate, and purchase any quantity of the customized product. The customized product is printed as the user waits.