Most checking accounts do not automatically include checks
When you open a checking account, the bank does not always send you checks. Some banks include a starter set of checks in your welcome package, but many do not — especially online banks and accounts opened entirely online. You may need to order checks separately, and some banks charge a fee for them while others provide them at no cost.
The presence of checks depends on the bank, the account type, and how you opened the account. A traditional bank branch might hand you checks on the day you open an account. An online bank might never send them unless you request them. A few banks include checks as part of premium or higher-tier accounts but not basic ones.
Key Takeaways
- Checks are not automatic with most checking accounts — you usually need to order them from your bank or a third-party printer.
- Some banks charge $10 to $30 per box of checks, while others provide them free or at a reduced cost for the first order.
- You can order checks through your bank's website, by phone, or by mail, and delivery typically takes one to two weeks.
- Third-party check printers like Deluxe and Costco often cost less than ordering directly from your bank.
- If you rarely write checks, you may not need to order them at all — many people now use digital payments instead.
How to learn about your account includes checks
Check your account welcome materials or the email confirmation you received when you opened the account. Banks often mention whether checks are included in the account package. If you opened the account online, look for a section titled "Checks" or "Debit Card" in your account settings or the bank's website.
You can also call your bank's customer service line or visit a branch in person and ask directly. They can tell you whether checks are included with your specific account type and, if not, what the cost is to order them. Some banks waive the first order for new customers if you ask.
Ordering checks from your bank
Most banks let you order checks through their website by logging into your account and navigating to the checks or debit card section. You will select the design, quantity, and delivery speed. Standard delivery takes one to two weeks; expedited options cost more and arrive in three to five business days.
If you do not have online access or prefer to order by phone, call the number on the back of your debit card or on your bank statement. You will need to confirm your account number, address, and the routing number printed on your account documents. The bank will quote the price and delivery timeline before you complete the order.
Costs vary widely. National banks like Chase and Bank of America typically charge $15 to $30 per box of 25 checks. Credit unions and smaller regional banks may charge $10 to $20. Some accounts, particularly those with monthly fees or premium tiers, include checks at no charge.
Third-party check printers often cost less
Companies like Deluxe, Costco, Sam's Club, and Vistaprint print checks for less than most banks charge. Deluxe checks often cost $8 to $15 per box when ordered online, roughly half the bank price. Costco members can order checks through Costco's website for similar savings. These printers use the same routing and account numbers as your bank, so the checks work identically.
The trade-off is speed. Third-party printers typically take two to three weeks for delivery, compared to one to two weeks from your bank. If you need checks urgently, your bank's expedited option may be faster despite the higher cost. Always verify that the printer you choose can access your bank's routing number — you will need to provide it during the order.
When you might not need checks at all
Many people no longer write checks regularly. If you pay bills online, use your debit card, or send money through apps like Venmo or Zelle, you may never need to order checks. Some landlords, utilities, or service providers still require checks, but most accept digital payments or automatic transfers.
If you do need checks occasionally — for example, to pay rent or a contractor — you can order a small box of 25 or 50 checks instead of the standard 200. This spreads the cost over time and means you are not sitting on unused checks. Some banks also allow you to print checks at home using special paper and software, though this is less common than it once was.
What information you need to order checks
Have your account number, routing number, and the address where you want the checks mailed ready before you order. Your routing number appears on the bottom left of any check or statement your bank has already sent you. If you do not have a statement, you can find it on your bank's website or by calling customer service.
You will also choose how many checks per box (usually 25, 50, or 100), the style or design, and whether you want your name and address printed on them. Most banks and printers offer free standard designs and charge extra for specialty designs or rush printing. Confirm the delivery address — checks are mailed to the address on file with your account, which may not be your current address if you have moved.
Frequently Asked Questions
Can I use my checking account without checks?
Yes. Checks are optional. You can use your debit card, set up automatic bill pay through your bank's website, transfer money to other accounts, or use payment apps. Many people never order checks and manage their accounts entirely through digital methods.
How long does it take to receive checks after I order them?
Standard delivery from your bank takes one to two weeks. Third-party printers typically take two to three weeks. Expedited options from your bank can arrive in three to five business days but cost more. Delivery times vary by bank and printer, so ask for a specific date when you order.
Do I have to order checks from my bank, or can I use any printer?
You can use any printer as long as they have access to your bank's routing number and your account number. Third-party printers like Deluxe and Costco are legitimate and widely used. The checks will work the same way whether they come from your bank or another printer.
What if I ordered checks but they have not arrived yet?
Contact your bank or the printer you ordered from and provide your order number. They can confirm the mailing date and expected delivery date. If checks are significantly overdue, ask them to reprint and expedite the order at no extra charge, or request a refund.
Can I get checks if I just opened my account online?
Yes. Log into your account and look for a checks or debit card section, or call customer service. Online banks handle check orders the same way as branch banks. You may need to wait a few days for your account to be fully activated before you can order, but most banks allow it within 24 to 48 hours of opening.