Yes, you can write checks with an online checking account
Most online banks let you order checks and write them the same way you would from a traditional bank account. The checks work on the same routing and account numbers, and the recipient deposits them normally. The main difference is that you order checks yourself rather than getting them automatically, and it usually takes longer to receive them — typically 7 to 14 business days after you place the order.
Some online banks charge for checks; others include them free. A few banks that focus entirely on digital payments (like Chime or some neobanks) do not offer checks at all, so if check-writing matters to you, confirm before opening an account.
Key Takeaways
- Online bank checks use your real routing and account number and work exactly like checks from any other bank.
- Most online banks charge between $10 and $25 per box of 25 checks, though some include them free with your account.
- Checks take 7 to 14 business days to arrive after you order them, so plan ahead if you need them by a specific date.
- You can order checks directly through your online bank's website or app, or through third-party check printers that your bank may recommend.
- A small number of online banks do not offer checks at all, so read the account details before signing up if you write checks regularly.
How to order checks from your online bank
Log into your online banking portal or mobile app and look for a "Checks" or "Order Checks" link, usually under Account Services or Settings. You will enter the number of boxes you want (typically sold in boxes of 25 or 50), choose a design if options are available, and confirm your mailing address. Most banks print your name, address, routing number, and account number on the checks automatically.
Some online banks partner with third-party check printers like Deluxe or Harland Financial Solutions. If your bank uses a partner, you may order through that printer's website instead, though your bank account will still be charged. A few banks let you choose between ordering through the bank or through an external printer, which can sometimes be cheaper.
Payment is usually charged to your account immediately when you place the order, even though the checks take weeks to arrive. Keep your order confirmation number in case you need to track the shipment or contact customer service.
Cost and timing for check orders
Pricing varies by bank. Some online banks include a certain number of free checks per year (often one box of 25). Others charge $10 to $25 per box. A few premium or business accounts offer unlimited free checks. Check your account terms or the pricing page before ordering.
Standard delivery takes 7 to 14 business days from the order date. Some banks offer expedited shipping for an extra fee — usually $5 to $15 for 3 to 5 business day delivery. If you need checks urgently, expedited shipping is worth the cost, but plan ahead whenever possible.
If you lose or damage checks before they arrive, contact your bank immediately. Some banks will cancel the order and reship at no charge; others may charge a reorder fee. The sooner you report the problem, the better your chances of a quick resolution.
Banks that do not offer checks
A growing number of online banks and fintech companies do not print checks at all. Chime, Revolut, and some other mobile-first banks focus on digital payments and transfers instead. If you use one of these accounts and need to write a check, you have limited options: you can request a paper check from the bank (which may take weeks and carry a fee), use a third-party check printing service, or ask the recipient if they accept a digital payment instead.
Before opening an online account, check the bank's website or call customer service to confirm whether checks are available. If check-writing is part of your regular routine, choose a bank that offers them without hassle.
Using checks from an online bank
Once your checks arrive, use them exactly as you would checks from any other bank. Write the date, payee name, amount in words and numbers, and your signature. The recipient deposits or cashes them normally — there is nothing different about the routing or account number that would slow down processing.
Keep a record of each check you write, either in the check register that comes with your box or by noting it in your online banking app. Most online banks let you mark checks as cleared in your transaction history once they post, which helps you track your balance accurately.
If a check bounces or is returned for any reason, your bank will notify you through your app or email, usually within 2 to 5 business days of the return. You will be charged a returned-check fee (typically $25 to $35) and may owe the recipient a fee as well.
Alternatives to writing checks
If you rarely write checks or want to avoid the wait time, consider these options: ACH transfers (direct bank-to-bank transfers, usually free and next-business-day) work for paying individuals or businesses that have bank accounts. Bill pay through your online bank's website lets you schedule payments to utilities, credit cards, and other regular bills, and the bank mails a check on your behalf if the payee does not accept electronic payments.
Mobile payment apps like Venmo, PayPal, or Square Cash work for peer-to-peer payments. Wire transfers are faster than checks but cost $15 to $50 per transfer. For large or one-time payments, ask the recipient which method they prefer — many businesses now accept digital payments and may not want a check at all.
What to do if your checks do not arrive
If your checks do not arrive within the stated timeframe, log into your account and look for an order status or tracking number. Most banks provide a tracking link that shows where your checks are in the mail. If the tracking shows delivery but you have not received them, wait a few more days — mail can be delayed.
If checks are genuinely lost or more than a week overdue, contact your bank's customer service. Have your order number ready. The bank can investigate with the printer or reship your order. Some banks will issue a replacement order free; others charge a reorder fee. In the meantime, ask if the bank can issue you a temporary check or provide a bank statement you can use as proof of funds.
Frequently Asked Questions
Do checks from an online bank clear slower than checks from a regular bank?
No. The routing and account numbers are real, and the Federal Reserve processes them the same way. Clearing time depends on the recipient's bank and the amount, not on whether your account is online or in-person. Most checks clear within 1 to 3 business days.
Can I order checks if I just opened my online account?
Yes, most banks let you order checks as soon as your account is open and funded. A few banks require you to wait a few days or have a minimum balance, so check your account terms or call customer service if you are unsure.
What if I write a check but then close my online account?
The check will still clear if it is deposited before you close the account. If you close the account and then someone tries to deposit a check, it will bounce and be returned to the recipient. Always wait until all outstanding checks have cleared before closing an account.
Can I reorder the same checks if I run out?
Yes. Log back into your account and place a new order. Most banks keep your check design and address on file, so reordering takes just a few clicks. You will be charged again unless your account includes free checks.
What if I make a mistake on a check before I mail it?
Do not mail it. Write "VOID" across the front in large letters and keep it with your records. Order a replacement box if you have used most of them, or use a different payment method for that transaction.