The fastest way to get a check is to visit your branch in person with your ID and ask the teller to issue one on the spot

Most banks can print a check for you immediately if you walk in during business hours. You'll need a valid photo ID and your account number (which is on any check or statement you have). The teller will ask how much you want the check for, who it should be made out to, and whether you want it now or later. If you want it now, they print it at the counter and you leave with it. This takes about five minutes.

If you don't have a checkbook at home or yours is running low, this is the simplest route. You can also request checks this way even if you've never ordered them before — some people keep their account open but never use checks, then need one unexpectedly.

The bank may charge a fee for this service, usually between $5 and $15 per check. Ask before they print it. Some banks waive the fee if you have a premium account or maintain a certain balance.

Key Takeaways

  • Visiting your branch in person with your ID gets you a check within minutes, though the bank may charge $5 to $15 per check.
  • Ordering checks by mail or online takes 7 to 14 business days and costs less per check, usually $10 to $30 for a box of 25.
  • Some banks let you order checks through their mobile app or website, and a few offer free standard delivery as part of your account.
  • If you need a check urgently and can't visit a branch, ask whether your bank offers expedited shipping or same-day printing at a nearby location.

Ordering checks by mail or online for lower cost

If you're not in a hurry, ordering checks through your bank's website or by phone is cheaper than getting one at the counter. A box of 25 checks typically costs $10 to $30, depending on your bank and the style you choose. Some banks include one free box per year with certain account types.

The process is straightforward: log into your online banking, find the "order checks" or "supplies" section, choose your design and quantity, and submit. Your bank will mail them to the address on file, usually within 7 to 14 business days. You can also call the customer service number on the back of your debit card and order over the phone.

Many banks partner with third-party check printers like Deluxe or CheckSmart, so the checks may arrive in a separate package from a vendor rather than directly from the bank. The timeline is the same either way.

Using your bank's mobile app or online portal

Some banks now let you order checks directly through their mobile app without logging into a computer. Open the app, navigate to "Account Services" or "Manage Account," look for "Order Checks" or "Supplies," and follow the prompts. You'll confirm the quantity, style, and delivery address before submitting.

A few banks also offer digital check features through their apps, which let you write and send a check electronically without printing a physical one. This works only if the recipient's bank accepts digital checks, so it's not a replacement for a paper check in all situations. Ask your bank whether this option is available on your account.

What to do if you need a check urgently

If you need a check within 24 hours and can't visit a branch, contact your bank's customer service line and ask about expedited options. Some banks offer overnight shipping for an additional fee, usually $15 to $25. Others have multiple branches in your area and can print a check at a different location if your home branch is closed.

If your bank doesn't offer expedited checks, consider whether a cashier's check or money order would work instead. A cashier's check is issued by the bank itself (not your personal account) and is may provide by the bank, so the recipient may accept it in place of a personal check. You can get a cashier's check at the counter in minutes, though there's usually a fee of $5 to $15.

Reordering checks when your supply runs low

If you still have a few checks left but are running low, order your next box before you run out completely. This prevents the situation where you need a check and have none on hand. Most banks let you order at any time, even if you have checks remaining.

When you order, you can request the same design and format as your current checks, or choose a new style. Your account number and routing number will be printed automatically on the new checks, so you don't need to provide them.

Frequently Asked Questions

Can I get a check printed the same day I order it online?

Not through standard online ordering — those checks are mailed to you and arrive in 7 to 14 business days. If you need a check the same day, visit your branch in person or ask about expedited shipping, which some banks offer for an additional fee.

What if I don't remember my account number?

Your account number appears on any check you have, on your bank statements, and in your online banking portal. If you've never had checks before, log into your account online or call customer service and they'll provide it. You'll need it to order checks by phone or online.

Do I have to order checks through my bank, or can I use a third-party printer?

You can order checks from third-party printers like Deluxe, CheckSmart, or Costco, which are often cheaper than ordering through your bank. Make sure the printer you choose can print your correct routing number and account number. Your bank will accept checks from any legitimate printer as long as the account information is accurate.

Is there a limit to how many checks I can order at once?

Most banks don't limit the quantity you can order, though very large orders may take longer to arrive. If you need 500 checks instead of 25, contact your bank directly — they may offer bulk pricing or direct you to a third-party printer that specializes in large orders.

What happens if I lose a check before I use it?

Contact your bank immediately and report the check number as lost. Your bank can flag that check number in their system so it won't clear if someone else tries to cash it. If the check is deposited or cashed before you report it, you may be able to dispute the transaction, but reporting it quickly is your best protection.