You can order checks from your bank, but you don't have to use them

Most banks that offer checking accounts will print and mail you checks if you ask. You can request them when you open the account, or order them later through your bank's website, mobile app, or by calling customer service. Some banks include a starter set of checks free with a new account; others charge a fee per box, usually between $10 and $30 depending on the design and quantity.

But here's the thing: you don't actually need checks to use a checking account. You can pay bills and send money to people using online transfers, automatic bill pay, debit cards, or mobile payment apps. Many people open checking accounts and never order checks at all.

Key Takeaways

  • Banks print checks through their own vendor or a third-party printer, and delivery typically takes one to two weeks after you place the order.
  • Some banks charge $10 to $30 per box of checks; others offer a free starter set with new accounts, so ask before you pay.
  • You can order checks online through your bank's website or app, by phone, or in person at a branch — the method doesn't change the timeline or cost.
  • If you need checks urgently, some banks offer expedited printing for an extra fee, or you can buy temporary checks from an office supply store while you wait.
  • Third-party check printers often charge less than banks but take longer to deliver, so compare cost and speed before ordering.

How to order checks through your bank

The easiest route is your bank's website or mobile app. Log in, look for a "Checks" or "Order Supplies" section (usually under Account Services or Settings), and follow the prompts. You'll choose the quantity, design, and delivery address. Most banks let you order this way 24/7.

If you prefer to call, customer service can walk you through the order over the phone and charge it to your account. You can also visit a branch in person and ask a teller to start an order for you. All three methods lead to the same result: your bank sends the order to its printer, and checks arrive in your mailbox in one to two weeks.

Before you order, check whether your bank offers a free starter set. Many do for new accounts, so you may not need to pay anything for your first box.

What to expect when checks arrive

Your bank's printer will mail checks to the address you provided on the order. Delivery usually takes 7 to 14 business days from the time you place the order, though some banks estimate up to three weeks. The checks come with deposit slips and a register for tracking your transactions (though most people now track spending through their bank's app instead).

When the checks arrive, verify that your name, address, and account number are printed correctly before you use them. If something is wrong, contact your bank right away — they can reorder at no charge if it's their error.

Faster options if you need checks sooner

If you need checks in a few days rather than two weeks, ask your bank about expedited printing. Some banks offer next-business-day or two-day delivery for an extra fee, usually $15 to $25 on top of the check cost.

Another option is temporary checks. You can buy a pad of blank checks at an office supply store (Staples, Office Depot, or online) and fill them in by hand with your account number and routing number. These work just like regular checks and cost $5 to $15 for a pad. Your bank can tell you your routing number if you don't have it.

A third route is to use third-party check printers like Costco Checks, Deluxe, or Vistaprint. These often cost less than bank checks — sometimes $5 to $10 per box — but take longer to arrive, often 10 to 21 days. Compare the total cost and delivery time before you order.

When you might not need checks at all

Checks are useful for certain payments — rent, some utilities, or sending money to people who don't have bank accounts — but they're optional for most everyday spending. If you pay most bills online, use a debit card for shopping, and send money to friends through Venmo or your bank's transfer service, you may never need to order checks.

Some checking accounts are designed specifically for people who don't use checks. These accounts often have lower fees or higher interest rates because the bank saves money on printing and mailing. If you're not sure whether you'll use checks, order a small starter set first and see.

Costs and what affects the price

Bank check prices vary based on design, quantity, and the bank itself. A basic box of 100 checks might cost $10 to $15, while a fancier design or a larger quantity could run $25 to $40. Some banks offer free checks as a perk for certain account types or if you maintain a minimum balance.

Third-party printers are often cheaper — $5 to $15 per box — but you're responsible for entering your account and routing numbers correctly. If you make a mistake, the checks won't work, and you'll have to order again.

Expedited delivery, temporary checks, and specialty designs all add to the cost. Factor in what you actually need and how soon you need it before you decide where to order.

Reordering checks and managing your supply

Most banks let you reorder checks through the same method you used the first time. You can set up automatic reorders if your bank offers it, so you never run out. Check your bank's website or app to see if this option is available.

Keep track of how many checks you have left. If you use checks regularly, you might need to reorder every few months. If you use them rarely, one box might last a year or more. When you're down to your last 20 or so, it's a good time to place a new order so you don't run out unexpectedly.

Frequently Asked Questions

Do I have to order checks from my bank?

No. You can order from third-party printers like Costco Checks or Deluxe, or buy temporary checks from an office supply store. Third-party printers are often cheaper but take longer. Your bank can tell you your routing number so you can order elsewhere.

What if I lose a check or someone steals one?

Contact your bank right away and report the check number. Your bank can flag it so it won't clear if someone tries to cash it. If the check has already been cashed fraudulently, your bank can dispute the charge and refund you, though this can take a few weeks to investigate.

Can I get checks with a different name or address on them?

Yes, but only if the name matches the account holder. If you've changed your legal name or moved, update your account information with the bank first, then order new checks. Some banks allow you to add a business name or DBA if you have a business account.

How long do checks stay valid?

Checks don't expire, but banks may refuse to cash a check that's more than six months old. If you have old checks sitting around, it's fine to use them — just don't wait years. If someone writes you a check, cash it within a few months to avoid problems.

What's the difference between personal and business checks?

Business checks have your business name and EIN (Employer Identification Number) instead of your Social Security Number. They cost more and take longer to order. You need a business checking account to order them, not a personal account.