Most checking accounts include checks, but you have to order them
When you open a checking account at a bank or credit union, the account itself comes with the ability to write checks — but the physical checks do not arrive automatically. You have to order them, either through your bank's website, by phone, or in person at a branch. The bank prints them with your name, account number, and routing number, then mails them to you. This usually takes five to ten business days, though some banks offer expedited printing for an extra fee.
The cost of checks varies. Many banks include a certain number of free checks per year or per order as part of your account. Others charge per box — typically $10 to $25 for a box of 100 checks. Credit unions often charge less than banks. Some online banks do not offer checks at all, or charge significantly more, because they assume most customers use digital payments instead.
You do not need to wait for physical checks to arrive before you can start writing them. Once your account is open, you can request a temporary check number from your bank, or you can use the account and routing numbers printed on deposit slips or statements to write checks immediately. Some banks will also issue starter checks — a small temporary supply — while you wait for your permanent order.
Key Takeaways
- Checking accounts come with check-writing rights, but you must order the physical checks separately through your bank or credit union.
- Checks typically arrive in five to ten business days; expedited options exist but cost extra.
- Many banks include free checks as part of the account, while others charge $10 to $25 per box of 100.
- You can write checks using your account and routing numbers before your printed checks arrive, or request a temporary check number from your bank.
- Online banks and some credit unions may not offer checks, or charge more for them, because they focus on digital payment methods.
When to order checks and how long they take
Order checks as soon as you open your account if you know you will need them. The standard timeline is five to ten business days from the date you place the order, though this can stretch to two weeks during high-volume periods or if you request a specialty design. Expedited printing — usually available for an additional $15 to $30 — can cut this to two to three business days.
The delivery time is separate from the printing time. Once the bank prints your checks, they go into the mail. Standard mail delivery adds another three to five business days depending on your location. If you need checks urgently, ask your bank whether they offer in-branch pickup or overnight shipping options.
Some banks let you reorder checks online before your current supply runs out, which is useful if you use checks regularly. Set a reminder when you open your last box so you have time to order before you run out.
What happens if you do not want checks
You do not have to order checks just because your account includes the option. Many people with checking accounts never write a check and never order them. If you pay bills online, use a debit card, or transfer money through your bank's app, you may never need a physical check.
If you change your mind later and do need a check, you can order one at any time. There is no penalty for not ordering checks upfront. Some banks will even issue a single check on the spot at a branch if you need one urgently and do not want to wait for a full box to arrive.
Specialty checks and higher costs
Standard checks cost the least, but banks also offer specialty options: checks with your photo, checks in different colors or designs, oversized checks, or checks with duplicate copies. These cost more — sometimes $25 to $50 per box — and take longer to print. Unless you have a specific reason to order them, standard checks are the most practical choice.
Some employers or organizations may require you to use checks from a specific printer or with specific security features. If that is the case, your bank can usually direct you to an approved vendor, though you will pay out of pocket rather than using your bank's check service.
How to order checks through your bank
Most banks let you order checks online through your account dashboard. Log in, look for a "order checks" or "supplies" link, select your design and quantity, and confirm your mailing address. The bank will charge your account and send the order to the printer.
If you do not have online banking set up, call your bank's customer service line and ask to order checks. You will need to confirm your account number and mailing address. Some branches also let you order in person, though this is less common now.
When you order, double-check that your name and address are spelled correctly. Mistakes on the order form mean misprinted checks, which you will have to reorder. Most banks will reprint a box for free if they made the error, but if you provided wrong information, you may have to pay for a replacement order.
Using checks before they arrive
If you need to write a check before your order arrives, ask your bank for your account number and routing number. These two pieces of information are all someone needs to cash a check you write. You can write the check by hand using these numbers, or you can request a temporary check number from your bank.
Some banks issue starter checks — a small pad of blank checks with your information pre-printed — when you open the account. If yours did, use those while you wait for your full order. Starter checks work exactly like regular checks and are free.
If you absolutely need a check today and your bank is open, go to a branch and ask whether they can issue a cashier's check or print a single check for you on the spot. This costs a small fee — usually $5 to $10 — but solves the problem immediately.
Checks and your account security
Your account and routing number appear on every check you write. This is normal and necessary — it is how the check clears. However, do not leave blank checks lying around or give your account number to someone you do not trust. A person with your account and routing number can write checks against your account, though they cannot access your money directly without a physical check.
If you lose a box of checks or suspect someone has written unauthorized checks from your account, contact your bank immediately. Report the missing checks and ask your bank to flag your account. Most banks will reverse unauthorized check charges if you report them promptly, similar to how they handle fraudulent debit card transactions.
When you no longer need old checks — for example, if you close an account or move — shred them rather than throwing them away. Do not leave them in the recycling bin where someone could retrieve them.
Frequently Asked Questions
Can I write checks before my ordered checks arrive?
Yes. You can write checks using your account number and routing number, which appear on your deposit slips or statements. You can also ask your bank for a temporary check number. Some banks issue starter checks when you open the account, which you can use immediately.
Do I have to pay for checks?
Many banks include free checks as part of your account, or offer a certain number of free checks per year. Others charge $10 to $25 per box of 100. Credit unions often charge less. Check your account terms or call your bank to find out what applies to your account.
How long does it take to get checks after I order them?
Standard checks take five to ten business days to print and arrive by mail. Expedited printing costs extra and takes two to three business days. Delivery time varies by location but usually adds three to five days. In-branch pickup or overnight shipping may be available for a fee.
What if I never use checks?
You do not have to order checks. Many people with checking accounts never write a check. If you pay bills online, use a debit card, or transfer money through your bank's app, you may never need them. You can order checks later if your situation changes.
What should I do if checks arrive with errors?
Contact your bank immediately. If the bank made the mistake, they will usually reprint the checks for free. If you provided incorrect information on the order form, you may have to pay for a replacement order. Do not use checks with errors — they may not clear properly.