Yes, you can order a checkbook from your bank, but the process and cost depend on your account type and bank
Most banks will print and send you checks if you have a checking account with them. You can order checks in person at a branch, by phone, online through your account portal, or by mail. Some banks include a starter set of checks free when you open the account; others charge a fee per box. The time it takes ranges from three to ten business days for standard delivery, though some banks offer rush printing for an extra charge.
Not all account types come with check-writing privileges. Money market accounts, savings accounts, and some specialty accounts do not allow you to write checks. If your account does not support checks, your bank can tell you which accounts do and what it would cost to switch.
Key Takeaways
- You can order checks through your bank's website, mobile app, phone line, or in person at a branch.
- Most banks charge between $10 and $30 per box of 50 checks, though some offer the first box free with a new account.
- Standard delivery takes three to ten business days; rush options cost more but arrive faster.
- Your account must be a checking account or a money market account with check-writing features to order checks.
- You can also order checks from third-party printers, which are often cheaper than ordering directly from your bank.
Ordering checks through your bank's website or app
Most banks let you order checks online without leaving home. Log into your account, look for a "order checks" or "reorder checks" link (usually under account services or settings), and follow the prompts. You will choose the quantity, design, and delivery speed. The system will confirm your address and show you the total cost before you submit the order.
If you are ordering for the first time or your address has changed, the bank may require you to verify your identity or confirm the mailing address by phone. This is a security step to prevent checks from being sent to the wrong place. Once your order is confirmed, you will get a confirmation number and an estimated delivery date.
Ordering checks by phone or in person
Call your bank's customer service number (on the back of your debit card or on your statement) and ask to order checks. A representative will walk you through the options: quantity, design, and delivery method. They will confirm your address and process the payment. This route works well if you prefer to talk through your choices or if you do not use online banking.
You can also walk into any branch of your bank and ask to order checks at the teller window. Bring your debit card or account number. The branch staff will show you design options and place the order on the spot. Some branches keep a small supply of temporary checks on hand if you need to write a check before your order arrives.
What checks cost and how long they take
Pricing varies by bank and by the number of checks you order. A single box of 50 checks typically costs $10 to $30 when ordered from your bank. Some banks charge less per box if you order multiple boxes at once. A few banks include the first box free for new customers or as a benefit of certain account tiers.
Standard delivery is three to ten business days depending on your bank and where you live. Expedited or rush delivery costs extra—usually $5 to $15—and cuts the time to one to three business days. Overnight delivery is rare but some banks offer it for a premium fee. If you need to write a check before your order arrives, ask your bank for temporary checks or a counter check (a single check printed on the spot).
Ordering checks from a third-party printer instead
You do not have to order checks from your bank. Third-party check printers like Deluxe, Costco, Vistaprint, and Sam's Club often charge less—sometimes half the price of bank checks. You will need your routing number and account number, both of which appear on the bottom left of any check your bank has already issued. You can also find these numbers in your online banking portal or by calling your bank.
Third-party checks work exactly the same way as bank-printed checks. The only difference is the design and the printer's name on the back. Delivery times are similar: three to ten business days for standard orders. Make sure the printer you choose is reputable and uses secure printing methods to prevent fraud.
When you cannot get a checkbook
If your account does not support check writing, you will not be able to order checks. Savings accounts, money market accounts without check privileges, and some specialty accounts (like health savings accounts) do not come with check-writing rights. If you need to write checks regularly, ask your bank about switching to a checking account or a money market account that allows checks.
If your account has been closed or frozen due to fraud, overdraft, or other issues, your bank will not issue new checks until the problem is resolved. Contact your bank to find out why your account is restricted and what you need to do to restore it.
What to do if your checks do not arrive
If your order does not arrive within the promised timeframe, contact your bank with your order confirmation number. They can check the status and reissue the order if it was lost in the mail. If checks were delivered but you did not receive them, ask your bank to stop payment on that order and send a replacement to a different address or to the branch for pickup.
If you find that checks have been stolen or used fraudulently, report it to your bank immediately. Your bank can cancel the compromised checks and issue new ones. You may also want to monitor your account for unauthorized withdrawals and file a fraud report if money has been taken.
Frequently Asked Questions
Do I have to order checks from my bank?
No. You can order from third-party printers like Deluxe or Costco, which are often cheaper. You will need your routing number and account number, both visible on existing checks or in your online banking portal. Third-party checks work the same way as bank-printed checks.
Can I get checks the same day?
Not usually. Standard delivery is three to ten business days. Some banks offer rush delivery for an extra fee, which can cut it to one to three days. A few branches will print a temporary check or counter check on the spot if you need to write a check immediately.
What if I lose my checkbook before it arrives?
Contact your bank and cancel the order. They will reissue it to a new address or hold it for pickup at a branch. If checks were already delivered and lost, ask the bank to stop payment on those checks and send replacements.
Can I order checks if my address is different from what the bank has on file?
Yes, but the bank will likely ask you to update your address first for security reasons. You can do this online, by phone, or in person at a branch. Once your address is updated, you can order checks to be sent there.
Are there fees if I order checks frequently?
Most banks charge per box regardless of how often you order. If you order many boxes at once, some banks offer a discount. If you write very few checks, third-party printers may be cheaper than ordering small quantities from your bank repeatedly.