Chase does not automatically include free checks with most checking accounts
Chase stopped including free checks as a standard feature with most of their checking accounts. You can order checks, but you will pay for them — the cost varies depending on which account you have and which checks you choose. Some Chase accounts offer a small discount on check orders, but that is different from free checks.
The reason Chase made this change is the same reason most banks did: fewer people write checks now than they did ten years ago. Banks shifted the cost to people who actually use them. If you do not write checks regularly, this change probably does not affect you. If you do write checks, you have options for ordering them through Chase or finding them elsewhere.
Key Takeaways
- Chase checking accounts do not come with free checks included — you pay when you order them.
- The cost of checks through Chase depends on your account type and the style of checks you choose, typically ranging from a few dollars to more than ten dollars per box.
- Some Chase accounts offer a discount on check orders, but this is not the same as free checks.
- You can order checks from third-party vendors outside of Chase, which are often cheaper than ordering through the bank.
What Chase accounts charge for checks
When you order checks through Chase's website or in a branch, the price depends on which checking account you have and what style of checks you select. Basic checks cost less than personalized or specialty checks. A single box of 50 checks might cost anywhere from a few dollars to more than ten dollars, depending on these factors.
Chase does not publish a single price list that applies to all customers — the cost you see when you go to order will be specific to your account and your choices. The best way to find out what you would pay is to log into your Chase account online, go to the checks section, and see the prices for the options available to you.
Discounts on checks for certain account holders
Some Chase checking accounts do offer a discount when you order checks through them, rather than free checks outright. For example, certain premium accounts may reduce the price by a percentage or offer a set number of discounted boxes per year. This is not the same as getting free checks, but it does lower what you pay compared to the standard price.
If you have a premium Chase account, check your account benefits online or call the number on the back of your card to ask whether check discounts are included. The benefits vary by account type, so what applies to one account may not explore to another.
Ordering checks from outside vendors instead
Many people find that ordering checks from a third-party vendor costs less than ordering through Chase. Companies like Costco, Sam's Club, Walmart, and online check printers often charge significantly less per box than banks do. These checks work in your Chase account exactly the same way as checks ordered through Chase.
When you order from an outside vendor, you provide your account number and routing number (both on the bottom left of any check you already have, or available through your Chase account online). The vendor prints your name, address, and account information on the checks. The process usually takes one to two weeks for delivery.
The main trade-off is that you lose the convenience of ordering directly through your bank. If you need checks urgently, Chase may be faster because you can sometimes pick them up in a branch. Outside vendors are usually cheaper but take longer.
When you might need checks even though fewer people use them
Checks are less common than they used to be, but some situations still require them. Landlords often ask for a check as a security deposit or rent payment. Some utilities, insurance companies, and government agencies still accept or prefer checks. Older relatives or businesses may expect checks as payment.
If you write checks only occasionally, buying one box at a time from an outside vendor is usually cheaper than maintaining a supply through Chase. If you write checks regularly — more than a few per month — the per-check cost becomes more important, and shopping around for the lowest price makes sense.
How to order checks through Chase
To order checks through Chase online, log into your account, look for the "Checks" or "Order Checks" option (usually under Account Services or a similar menu), select your account, choose your check style, and proceed to checkout. You will see the price before you confirm the order.
You can also order checks in person at any Chase branch. A banker can show you the available styles and prices and process the order while you wait. In-branch ordering sometimes offers the option to pick up checks at the branch rather than having them mailed, though this varies by location.
Frequently Asked Questions
Do any Chase accounts come with free checks?
No Chase checking accounts include free checks as a standard feature. Some premium accounts offer a discount on check orders, but that is different from free checks. You will pay for any checks you order, though the amount varies by account type and check style.
How much do checks cost at Chase?
The cost varies based on your account type and the style of checks you choose. Basic checks typically cost a few dollars per box, while specialty or personalized checks cost more. Log into your Chase account online to see the exact price for your account before you order.
Can I use checks from another bank or vendor in my Chase account?
Yes. Checks from any vendor work in any bank account as long as they have your correct account number and routing number printed on them. Many people order from third-party vendors because they are cheaper than ordering through the bank.
What is the cheapest way to get checks?
Third-party vendors like Costco, Sam's Club, Walmart, and online check printers usually cost less than ordering through Chase. The trade-off is that delivery takes longer — usually one to two weeks instead of a few days through the bank.
Can I pick up checks at a Chase branch instead of having them mailed?
Some Chase branches offer in-branch pickup for check orders, but this varies by location. Ask when you order, or call your local branch to find out whether they offer this option.