Printing Checks From a Safe Balance Checking Account

Safe Balance Checking Accounts and Check Printing

Safe Balance checking accounts do not come with a checkbook by default, but you can order checks through the bank. Safe Balance is a second-chance checking product offered by some banks and credit unions to people with banking history issues. The account itself functions like a standard checking account once opened, which means check-printing services are usually available as an add-on feature rather than included automatically.

Whether you can print checks depends on your specific bank or credit union and the terms of your Safe Balance account. Most institutions that offer Safe Balance accounts do allow check ordering, but some impose restrictions or charge fees that standard checking accounts do not. You will need to contact your bank directly to confirm whether checks are available for your account and what the cost structure looks like.

Key Takeaways

• Safe Balance accounts typically allow check ordering, but checks are not included in the account package and must be ordered separately.
• Some banks charge higher fees for checks on Safe Balance accounts than they do for standard checking accounts.
• You can usually order checks through your bank's website, mobile app, or by calling customer service.
• Third-party check printers like Deluxe or Costco may offer cheaper checks than ordering directly from your bank, though you will need to verify your bank accepts them first.
• If your bank does not allow checks on Safe Balance accounts, you can request a transfer to a different account type or use digital payment methods instead.

How to Order Checks for Your Safe Balance Account

The process for ordering checks is the same as with any other checking account. Log into your online banking portal or mobile app and look for a "order checks" or "supplies" option, usually found in the account settings or service requests section. Some banks also allow you to order checks by phone through customer service or in person at a branch.

When you order, you will need to confirm your current address and choose a check style. Standard checks with your name, address, and account number printed on them are the most common option. Delivery typically takes one to two weeks, though expedited shipping is sometimes available for an additional fee.

Before ordering, confirm with your bank that checks are permitted on your specific Safe Balance account. A few banks restrict check-writing on second-chance accounts or require you to maintain a minimum balance before ordering. A quick call to customer service can save you the cost of ordering checks you cannot use.

Check Fees and Costs for Safe Balance Accounts

Banks charge different amounts for checks depending on the account type. A standard box of 100 checks might cost $10 to $20 when ordered through your bank, but Safe Balance accounts sometimes carry higher fees—anywhere from $15 to $30 per box. Some banks bundle check costs into a monthly maintenance fee instead of charging per order.

If cost is a concern, third-party check printers often undercut bank prices. Deluxe, Costco, and Walmart all sell checks for less than most banks charge. However, you must verify that your bank accepts checks from these printers before ordering. Most do, but some second-chance accounts have restrictions. Call your bank's customer service line with the printer's name to confirm.

Alternatives to Printing Checks

If your bank does not allow checks on your Safe Balance account, or if check costs feel too high, digital payment methods can handle most of what checks used to do. Bill pay through your bank's website or app lets you send money directly to utilities, landlords, insurance companies, and other regular payees without writing a check. Mobile payment apps like Venmo, PayPal, or Zelle work for person-to-person transfers.

For situations where a physical check is required—paying a contractor, sending money to someone without a bank account, or mailing a payment to an organization that does not accept digital transfers—you have options. Some banks offer a service called remote check deposit in reverse, where you can request the bank mail a check on your behalf. Ask your bank whether this service is available and what it costs.

What to Do If Your Bank Refuses Check Orders

If your Safe Balance account does not permit checks and you need them, contact your bank to ask about upgrading to a different account type. Many banks offer a path from Safe Balance to a standard checking account after you have maintained the account in good standing for a set period—often three to six months. Once you move to a standard account, check ordering becomes straightforward.

If upgrading is not an option or you want to switch banks, look for another institution that offers Safe Balance accounts without check restrictions. Credit unions often have more flexible second-chance products than large banks. You can search for credit unions in your area through the CO-OP Network or Alliant Credit Union's shared branching locator.

Frequently Asked Questions

Do I get free checks with a Safe Balance account?

No. Safe Balance accounts do not include checks in the standard package. You must order them separately and pay a fee, which varies by bank but typically ranges from $10 to $30 per box of 100 checks.

Can I use checks from a third-party printer like Deluxe?

Most banks accept third-party checks, and they are often cheaper than ordering directly from your bank. However, some Safe Balance accounts have restrictions. Contact your bank with the printer's name before ordering to confirm they will accept them.

How long does it take to receive checks after I order them?

Standard delivery takes one to two weeks. Some banks offer expedited shipping for an additional fee if you need checks faster. Expedited options typically arrive within three to five business days.

What if I need to write a check but my bank won't let me order them?

Ask your bank about upgrading to a standard checking account, which usually becomes an option after three to six months of good account standing. Alternatively, use bill pay or mobile payment apps for most transactions, or request your bank mail a check on your behalf if that service is available.

Are there monthly fees for using checks on a Safe Balance account?

It depends on your bank. Some charge per box when you order, while others include check costs in a monthly maintenance fee. Review your account terms or call customer service to understand the fee structure for your specific account.