Yes, you can write checks on a SoFi checking account, but you have to order them yourself
SoFi does not send you checks automatically when you open a checking account. You have to request them through your SoFi app or online account. Once you order checks, they arrive by mail in seven to ten business days. You can then write them like checks from any other bank — they draw directly from your SoFi checking balance.
SoFi charges for checks. The cost varies depending on the style and quantity you order, but a standard box of 50 checks typically costs between $10 and $20. Some account holders report paying less for basic designs. You can order multiple boxes at once if you need them.
If you rarely write checks, you may not need to order them at all. SoFi offers free transfers to other accounts, bill pay through the app, and peer-to-peer transfers through services like Zelle — all faster and cheaper than mailing a check.
Key Takeaways
- SoFi does not include checks with your account; you must order them through the app or website.
- Checks take seven to ten business days to arrive after you place an order.
- You pay for checks — typically $10 to $20 per box of 50 — and the cost depends on the design you choose.
- If you need to send money quickly, SoFi bill pay and Zelle transfers are free alternatives to mailing a check.
- Once you receive your checks, they work like any other bank check and draw from your SoFi checking balance.
How to order checks through the SoFi app
Open the SoFi mobile app or log into your account online. Navigate to the settings or account menu — the exact location varies slightly between the app and website, but look for a section labeled "Account Settings," "Cards & Checks," or "Checks." Select the option to order checks.
You will see a list of check designs and prices. Choose the style you want and the quantity — typically 50, 100, or 200 checks per box. Add your selection to the cart and proceed to checkout. SoFi will charge your account for the order. Confirm your mailing address before you submit, because checks are printed with your address and cannot be changed once they ship.
After you place the order, SoFi sends a confirmation email. Your checks will arrive within seven to ten business days. Track the shipment through the app if tracking information is provided.
What information appears on your SoFi checks
Your checks will print with your name, mailing address, and SoFi account number. The routing number and account number appear at the bottom of each check in the standard MICR line (the numbers read by check-processing machines). Your SoFi checking account routing number is 121000248 for all SoFi customers, regardless of which state you live in.
When you write a check, fill in the date, the name of the person or business you are paying, the dollar amount in both numbers and words, and your signature. The recipient deposits or cashes the check at their bank, and the funds are withdrawn from your SoFi checking account.
Check delivery time and what to do if checks are lost
Standard delivery takes seven to ten business days from the date you order. If your checks do not arrive within that window, contact SoFi customer support through the app or by phone. They can investigate the shipment and may reorder your checks at no charge if they were lost in transit.
If you need checks urgently, SoFi does not offer expedited shipping. Your only option is to wait for standard delivery or use alternative payment methods — bill pay, transfers, or Zelle — while you wait.
If your checks are stolen or you suspect fraud, contact SoFi immediately. You can place a stop payment on specific check numbers to prevent them from being cashed. SoFi can also close your account and open a new one with a new account number if necessary, though this is a more drastic step.
When checks make sense versus digital payments
Checks are useful when you need to pay someone who does not accept digital payments — a landlord who requires a check, a contractor who does not take cards, or a business that has not set up online bill pay. Checks are also useful when you want a paper record of payment or when the recipient needs the funds to clear slowly (checks can take three to five business days to clear, which is sometimes intentional).
For most other situations, digital payments are faster and free. SoFi bill pay lets you schedule payments to businesses and individuals at no cost. Zelle transfers money to another person's bank account in minutes. ACH transfers move money between your SoFi account and other accounts you own. All three are faster than mailing a check and cost nothing.
Frequently Asked Questions
Can I write a check before my ordered checks arrive?
No. You cannot write a check until you have the physical checks in hand. If you need to send money before they arrive, use SoFi bill pay, a Zelle transfer, or an ACH transfer instead. These methods are free and reach the recipient within one to five business days.
What happens if I write a check and do not have enough money in my account?
The check will bounce. SoFi will decline it and charge you an overdraft fee (typically $35). The recipient will also be notified that the check failed. Make sure your SoFi checking balance covers the check amount before you write it.
Can I reorder the same check design?
Yes. When you order checks again through the app, you can choose the same design or pick a new one. SoFi keeps a record of your previous orders, so reordering is straightforward. You will pay the same price as your first order.
Do I need to register my checks with SoFi?
No registration is required. Once your checks arrive and you have your account number and routing number (which are printed on them), you can start writing them immediately. The checks are tied to your account automatically.
What if I lose a check or someone steals one?
Contact SoFi right away. You can place a stop payment on that specific check number to prevent it from being cashed. If multiple checks are missing or you suspect fraud, SoFi can help you monitor your account and may reorder your checks with a new account number if necessary.