Ally checking accounts do not come with checks by default, but you can order them

Ally does not automatically send you a checkbook when you open a checking account. You have to request checks separately, and Ally will print and mail them to you at no charge. The process takes about 7 to 10 business days from the time you order until the checks arrive at your address.

This is different from traditional banks, where checks often arrive with your account opening kit. Ally's model reflects its online-only structure — the bank assumes most customers will use digital payments, ACH transfers, debit cards, and bill pay instead of paper checks. But if you need checks for rent, contractors, or other situations where a check is required, they remain available to you.

Key Takeaways

  • Ally checking accounts do not include checks automatically; you must order them through your online account.
  • Checks are free to order and arrive in 7 to 10 business days by mail to your address on file.
  • You can order checks at any time after your account is open, not just during account setup.
  • If you need checks urgently, you can use Ally's bill pay feature or request a cashier's check from a branch partner instead.

How to order checks through your Ally account

Log into your Ally online banking portal or mobile app and navigate to the settings or account management section. Look for an option labeled "Order Checks" or "Checks & Supplies." Ally will ask you to confirm the address where you want the checks mailed — this is typically your address on file, but you can change it if needed.

You will choose the quantity of checks you want (usually in packs of 25 or 50) and confirm the account number and routing number that will print on them. Ally will show you a preview of how the checks will look. Once you confirm, the order is placed and you will receive a confirmation email. There is no cost for standard checks.

Timeline and delivery

Standard check delivery takes 7 to 10 business days from the date you place your order. This timeline assumes Ally's printer receives your order, prints the checks, and the postal service delivers them without delays. If you order on a Friday, the clock starts Monday. If you order during a holiday period, delivery may take longer.

Ally will send your checks to the mailing address you provided at checkout. If that address is incorrect or has changed since you opened your account, update it in your account settings before ordering. Once checks are printed and in the mail, you cannot change the delivery address.

What to do if you need checks faster

If you need to pay someone by check before your order arrives, use Ally's bill pay feature to send a payment directly from your account. You provide the payee's name and mailing address, and Ally prints and mails a check on your behalf — this typically takes 3 to 5 business days. Bill pay is free for most transactions.

Another option is to visit a bank branch that partners with Ally and request a cashier's check drawn on your Ally account. A cashier's check is may provide by the bank and clears immediately, making it useful for large or time-sensitive payments. You will need to bring your ID and know your Ally account number. Call Ally customer service to find out which branches near you can issue cashier's checks on Ally accounts.

Check design and customization

Ally offers standard check designs at no extra cost. You cannot customize the design, add a logo, or choose from multiple styles the way you might at a traditional bank. The checks will print your name, address, account number, and routing number in the standard locations.

If you want personalized or duplicate checks, you can order them from a third-party check printer and use your Ally account information. Make sure the printer uses your correct routing number (011000015 for Ally Bank) and account number before placing the order. Verify this information with Ally before submitting an order to a third party.

Reordering checks and managing your supply

You can order checks as many times as you need. There is no limit on how many orders you can place or how many checks you can have printed. If you run out, simply log back into your account and place another order. The process is the same each time.

Keep track of your check numbers as you use them, especially if you write checks infrequently. This helps you spot missing checks and catch fraud. If you notice checks are missing from your order or arrive damaged, contact Ally customer service with your order confirmation number and they will reprint and resend them.

Stopping or canceling check orders

If you change your mind after placing an order, contact Ally customer service as soon as possible. If the checks have not yet been printed, Ally may be able to cancel the order. Once checks are printed and mailed, cancellation is not possible — you will need to wait for them to arrive and then dispose of them securely.

If you no longer want checks at all, you do not have to order them. Your Ally checking account functions fully without checks. You can pay bills online, transfer money via ACH, use your debit card, and send money to other people through Ally's transfer features.

Frequently Asked Questions

Can I order checks before my account is fully open?

No. You must wait until your account is active and you can log into online banking. This usually takes 1 to 2 business days after you fund the account. Once you can access your account online, you can order checks immediately.

What if my checks arrive with the wrong information printed on them?

Contact Ally customer service with your order confirmation number and photos of the error. Ally will reprint and resend the checks at no charge. Do not use checks with incorrect account or routing numbers, as they will not clear properly.

Can I use checks from another bank with my Ally account?

No. Checks must be printed with your Ally account number and routing number to draw funds from your Ally account. Checks from another bank will draw from that bank's account, not yours.

Is there a fee if I order a large number of checks?

No. Ally charges nothing for checks regardless of how many you order or how many times you reorder. There are no per-check fees or bulk order fees.

What happens if I lose my checks before using them?

Contact Ally customer service and report the lost checks. Provide the check numbers if you know them. Ally can flag those checks in their system. If someone tries to cash a lost check, Ally can refuse payment. You can order a new set of checks at no charge.