Chase includes checks with most checking accounts, but the number and cost depend on which account you have

Chase does not charge separately for checks on most of its checking accounts. When you open an account, you receive an initial order of checks at no cost. However, Chase does not automatically send you unlimited checks for free — the number included varies by account type, and reordering checks beyond what comes with the account will cost you.

The key difference is between accounts that come with checks included and accounts where you pay per check or per box. Chase Total Checking and Chase Premier Plus Checking both include checks in the account features. Chase find Banking and some other accounts do not include checks as a standard feature, which means you would need to order them separately and pay for them.

If you need checks beyond your initial order, Chase charges for additional boxes. The cost is typically around $10 to $15 per box of 25 checks, though the exact price can vary. You can order checks through your Chase online banking portal, by phone, or in a branch.

Key Takeaways

  • Chase Total Checking and Chase Premier Plus Checking include an initial order of checks at no cost when you open the account.
  • The number of checks included in your initial order depends on your account type and is not unlimited.
  • Reordering checks after your initial supply costs approximately $10 to $15 per box of 25 checks.
  • Some Chase checking accounts do not include checks as a feature, so you would pay for any checks you order.
  • You can order additional checks through online banking, by phone, or in a Chase branch.

Which Chase accounts come with checks included

Chase Total Checking is the most common account that includes checks. When you open this account, you receive an initial order of checks at no additional charge. The account is designed as a general-purpose checking account and includes other features like online bill pay and mobile check deposit.

Chase Premier Plus Checking, which requires a higher minimum balance, also includes checks in the account features. This account is aimed at customers who maintain larger balances and want additional perks.

Chase find Banking does not include checks. This account is designed for customers who may have banking history issues and prefer to manage money without a checkbook. If you have this account and want checks, you would need to order them and pay for each box.

How many checks come with your account

Chase does not publish a fixed number of checks that comes with each account. The initial order typically includes enough checks for several months of regular use, but the exact quantity is not may provide and can change. When you open your account, Chase will tell you how many checks are included in your initial order.

The initial checks are usually delivered within 7 to 10 business days of account opening. If you need checks before they arrive, you can request expedited delivery, which typically costs extra and takes 3 to 5 business days.

The cost of reordering checks

Once your initial supply runs out, you pay for additional checks. A standard box of 25 checks costs around $10 to $15, though this price can vary depending on the check design you choose. Duplicate checks, which have a carbon copy, cost more — typically $15 to $20 per box.

Specialty checks with custom designs or images cost significantly more, sometimes $20 to $30 per box or higher. If you want basic checks with your name and account number, you will pay the lower end of the range.

You can also order checks from third-party vendors that are not Chase. These vendors often charge less than Chase does — sometimes $5 to $10 per box for basic checks. The checks work the same way and clear through the same system. To use a third-party vendor, you need your routing number and account number, both of which appear on your Chase debit card or statements.

How to order checks through Chase

The easiest way to order checks is through your Chase online banking account. Log in, go to the Accounts section, find your checking account, and look for the option to order checks. Chase will show you available designs and let you choose quantity and delivery speed.

You can also call Chase at the number on the back of your debit card and request checks over the phone. A representative will confirm your account details and process the order. Delivery typically takes 7 to 10 business days for standard orders.

If you are in a Chase branch, you can ask a banker to order checks for you in person. They can show you design options and explain the cost before you commit to an order.

Why some people use third-party check vendors

Many people order checks from companies like Costco, Sam's Club, Walmart, or online vendors because they cost less than Chase's prices. A box of 25 basic checks from a third-party vendor might cost $5 to $8, compared to $10 to $15 from Chase. Over time, this adds up if you use checks regularly.

Third-party checks work exactly the same way as checks ordered from Chase. Banks do not care where your checks come from — they only care that the routing number, account number, and your signature are correct. The checks clear through the same system and take the same amount of time to process.

The main reason to order from Chase instead of a third-party vendor is convenience — you can do it when ready through your online banking without leaving home or visiting another store. If you are willing to wait a few days and visit a store, third-party vendors offer real savings.

What happens if you do not use checks

If you rarely or never use checks, the fact that they are included with your account does not matter. You do not have to order checks, and you will not be charged for not using them. The inclusion of checks is straightforward a feature available to you if you need it.

Many people now use digital payments — debit cards, ACH transfers, bill pay, and mobile payment apps — instead of checks. If this describes you, you can ignore the checks feature entirely. Your account works the same way whether you use checks or not.

Frequently Asked Questions

Do I have to pay for my first box of checks with Chase?

No. Chase Total Checking and Chase Premier Plus Checking include an initial order of checks at no cost. You only pay if you order additional checks after your initial supply runs out.

Can I use checks from another bank with my Chase account?

No. Checks must have your Chase routing number and account number printed on them. You cannot use checks from another bank with a Chase account. You can order checks from third-party vendors as long as they print your Chase routing and account numbers.

How long does it take to get checks after I order them?

Standard delivery takes 7 to 10 business days. Expedited delivery, which costs extra, takes 3 to 5 business days. You can check the status of your order through your Chase online banking account.

What if I lose my checkbook before I use all the checks?

Contact Chase when ready and report the lost checks. Chase can flag those checks in the system so they will not clear if someone tries to use them. You can then order a replacement box of checks.

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

Chase does not publish a limit on the number of checks you can order. You can order as many boxes as you need, though each box will cost you. If you use an unusually large number of checks, a banker can discuss options with you.