Chase checking accounts do not automatically include free checks

Chase does not provide complimentary checks with most of its checking accounts. You will need to order checks separately and pay for them, either through Chase or a third-party vendor. The cost varies depending on which account you hold and how many checks you order at once.

Some Chase accounts marketed toward premium customers—like Chase Private Client or certain business accounts—may bundle check orders into their service package, but this is not standard across Chase's consumer checking lineup. If you need checks, you have two paths: order them directly from Chase at their standard pricing, or use an outside printer, which is often cheaper.

Key Takeaways

  • Chase charges for checks on most consumer checking accounts; they do not come free with account opening.
  • Ordering checks through Chase typically costs between $15 and $30 per box of 100, depending on the design and account type.
  • Third-party check printers like Costco, Sam's Club, or online vendors often charge less than Chase's in-house pricing.
  • Some premium Chase accounts or business accounts may include check orders as part of their benefits, so review your specific account terms.
  • You can order checks online through your Chase account portal or by calling Chase customer service.

How much Chase charges for checks

Chase's check pricing depends on the design you choose and your account type. Standard checks—plain white with your account information printed—typically cost between $15 and $30 per box of 100. Duplicate or triplicate checks (which create a carbon copy) cost more. Specialty designs, such as checks with images or custom layouts, also carry a higher price tag.

When you order through Chase's website or mobile app, you can see the exact price before you confirm the order. Prices can shift, and Chase occasionally runs promotions on check orders, so it is worth checking the current rate when you need them rather than assuming a fixed cost.

Ordering checks directly from Chase

To order checks through Chase, log into your online banking account or mobile app, navigate to the checks or account services section, and select the design and quantity you want. You can also call Chase customer service at the number on the back of your debit card and request checks over the phone. Delivery typically takes 7 to 10 business days after you place the order.

When you order, Chase will print your account number, routing number, and address on the checks. Make sure your address on file is current before ordering, since that is what will appear on the checks. If you move after ordering, you can update your address in your account, but the checks you already received will still show the old address—they will still work, but it may look outdated.

Cheaper alternatives to Chase's check pricing

If you want to save money, third-party check printers often undercut Chase's prices. Costco and Sam's Club offer check printing to members at rates that are frequently 30 to 50 percent lower than Chase's standard pricing. Online vendors like Vistaprint, Deluxe, and Checks Unlimited also compete on price and often have promotional discounts for first-time orders.

The trade-off is that ordering outside Chase takes longer—you will need to provide your routing number and account number manually, and delivery may take 10 to 14 days instead of 7 to 10. The checks themselves are identical in function; the only difference is the vendor and the cost. If you do not need checks urgently, shopping around can save you $10 to $20 per order.

Do you actually need checks anymore

Before you order, consider whether you actually use checks. Many people now pay bills online, through mobile apps, or via automatic transfers, making paper checks unnecessary. If you rarely write checks, you may not need to order them at all. Chase allows you to pay bills and transfer money without checks through its online banking platform.

Checks are still useful for certain situations: paying rent to a landlord who does not accept electronic payments, sending money to someone without a bank account, or paying contractors or service providers who prefer checks. If you fall into one of these categories, ordering checks makes sense. If you do not, you can skip the cost entirely.

What happens if your account is closed or changed

If you close a Chase checking account, any checks you ordered but have not yet received will be cancelled, and you will not be charged. If you have already received the checks, they will still work as long as your account remains open, but they become invalid once the account closes. Do not use checks from a closed account.

If you change accounts within Chase—for example, moving from a basic checking account to a premium one—your old checks will no longer work because the account number will be different. You will need to order new checks for the new account. Chase will not automatically reorder checks when you switch accounts.

Frequently Asked Questions

Can I get free checks if I open a new Chase account?

Chase does not offer free checks as a new account promotion on most consumer checking accounts. Some premium accounts or business accounts may include a certain number of free check orders, but this varies. Check your account terms or contact Chase directly to confirm what is included with your specific account type.

How long does it take to receive checks from Chase?

Standard delivery is 7 to 10 business days after you place your order. Expedited shipping is sometimes available for an additional fee if you need checks faster. You can track your order status through your Chase online banking account once the checks have been printed and shipped.

Can I reorder the same checks without designing them again?

Yes. Once you have ordered checks from Chase, your design and specifications are saved in your account. You can reorder the same checks with a few clicks the next time you need them, without going through the full design process again.

What if I order checks and then move?

If you move after ordering but before the checks arrive, contact Chase immediately to update your address. Chase may be able to redirect the shipment or reprint the checks with your new address. If the checks arrive with your old address, they will still be valid, but you should update your address in your account to prevent future confusion.

Are checks from third-party printers as valid as Chase checks?

Yes. As long as the checks include your correct routing number, account number, and bank information, they are fully valid and will process the same way as checks ordered through Chase. Banks do not care which vendor printed the checks—only that the account information is correct.