What a reload pack is and whether checking accounts include one
A reload pack is a set of blank checks that a bank sends you after you open a checking account. It typically contains 25 to 50 checks with your name, account number, and routing number already printed on them. Most traditional banks include at least one reload pack free when you open an account, though some charge a small fee for additional packs after your first one.
Whether you receive a reload pack depends on the type of checking account you open and which bank you use. Large national banks and regional banks almost always send you checks automatically. Online banks and some newer financial institutions may not send physical checks at all, or may only send them if you request them. A few banks charge for the first pack, though this is less common.
The reload pack arrives separately from your debit card and initial welcome materials, usually within one to two weeks of account opening. You do not need to do anything to receive it — the bank sends it based on the information you provided during signup.
Key Takeaways
- Most traditional checking accounts come with at least one free reload pack of blank checks automatically.
- Online banks and digital-first institutions may not send physical checks unless you specifically request them.
- If your bank does not send checks automatically, you can usually order them through your online banking portal or by calling customer service.
- Reload packs typically arrive one to two weeks after account opening, separate from your debit card and other materials.
- Some banks charge for checks after your first pack, but many offer the first reload pack at no cost.
Which banks automatically send reload packs
National banks like Chase, Bank of America, Wells Fargo, and Citibank send reload packs automatically with most checking accounts. Regional banks and credit unions also typically include them. If you opened your account in person at a branch, the teller usually tells you whether checks will be mailed to you.
Online banks like Ally, Charles Schwab, and Discover often do not send physical checks by default because they focus on digital banking. However, they usually allow you to order checks through your account settings if you need them. Some online banks partner with a check-printing company and charge a fee per pack — typically $10 to $20 — while others offer them free.
If you are unsure whether your bank sends reload packs automatically, check your account welcome email or log into your online banking portal. Most banks have a section labeled "Order Checks" or "Check Services" where you can see your options and any associated costs.
How to order reload packs if they do not arrive automatically
If your bank does not send checks automatically or you run out and need more, you can order them through your online banking account. Log in, look for a "Services," "Checks," or "Account Services" section, and select "Order Checks." You will usually see options for the number of checks you want and the cost per pack.
Some banks let you choose check designs or add features like duplicate copies (which create a carbon copy of each check you write). These options may increase the cost. Standard checks with just your information printed are the least expensive option.
If you cannot find the ordering option online, call your bank's customer service number on the back of your debit card. A representative can place the order for you over the phone. Delivery usually takes one to two weeks, though some banks offer expedited shipping for an extra fee.
Why some banks charge for reload packs
Banks that charge for checks do so because printing and shipping physical checks costs them money. Online banks especially have lower overhead than branch-based banks, so they pass the check-printing cost to customers who actually need them rather than including it in everyone's account.
If you use checks frequently, the cost adds up. A pack of 50 checks might cost $10 to $20, which works out to 20 to 40 cents per check. If you write many checks each month, you might want to compare banks based on check costs before opening an account.
Some banks waive check fees if you maintain a minimum balance or set up direct deposit. Others offer free checks only for the first pack and charge for subsequent orders. Read the account terms or ask a representative about check policies before you commit.
Alternatives to paper checks
If you rarely write checks, you may not need a reload pack at all. Most everyday payments can be made with a debit card, online bill pay through your bank's website, or mobile payment apps like Venmo or Zelle. These methods are faster and leave a digital record of the transaction.
Your bank's online bill pay feature lets you pay bills directly from your checking account without writing a check. You enter the payee's information once, and the bank either sends an electronic payment or mails a check on your behalf — you do not have to do anything after that.
If you only need checks occasionally — for rent, security deposits, or other situations where a check is required — you can order a small pack when you need it rather than keeping a large supply on hand. This approach saves money if you do not write checks regularly.
What to do if your reload pack does not arrive
If you opened your account more than two weeks ago and expected checks but have not received them, log into your online banking account and check the order status. Many banks show you when checks were ordered and when they are expected to arrive.
If the status shows no order was placed, your bank may not send checks automatically for your account type. Check the account terms or call customer service to confirm. If checks were ordered but have not arrived after three weeks, contact your bank to report the delay. They can reorder them or investigate whether the package was lost in the mail.
Keep in mind that checks are mailed to the address on file with your bank. If you moved recently or provided an incorrect address during signup, the checks may have been delivered to the wrong place. Update your address in your online banking account if needed.
Frequently Asked Questions
Do I have to use the checks that come with my checking account?
No. Many people never use the checks their bank sends. If you prefer to pay bills online or with a debit card, you can ignore the reload pack entirely. There is no requirement to use checks, and having them does not cost you anything if your bank sends them free.
Can I order checks from a company other than my bank?
Yes. Third-party check printers like Deluxe and Costco often charge less than banks do. However, you must provide your routing number and account number, which are printed on your bank statements. Make sure any printer you use is legitimate and find before sharing that information.
What if I need checks before the reload pack arrives?
If you need to write a check when ready, ask your bank whether they can print temporary checks at a branch or issue you a cashier's check instead. Some banks also offer expedited check shipping for an extra fee. For most situations, online bill pay or a debit card can substitute until your checks arrive.
Do reload packs expire or have an expiration date?
Checks do not expire. You can use a check from a reload pack years after you receive it, as long as your account is still open and the routing and account numbers have not changed. However, banks may close old accounts, so do not hold onto checks from a closed account.
Will I get a reload pack if I open a savings account instead of a checking account?
No. Reload packs are for checking accounts only because those accounts are designed for frequent transactions. Savings accounts do not come with checks. If you need both checking and savings, you will receive checks only with the checking account.