Yes, you can order checks from your bank, and most banks offer this as a standard service
When you open a checking account, the bank does not automatically send you checks. You have to order them separately, either when you open the account or anytime afterward. Most banks let you order checks through their website, by phone, or in person at a branch. Some banks print checks themselves; others use a third-party printer and mail them to your address.
Checks usually arrive within one to two weeks, though expedited printing is sometimes available for an extra fee. Until your checks arrive, you can still use your account — you can make deposits, pay bills online, use your debit card, or set up automatic payments through the bank's website.
The cost of checks varies by bank. Some banks include a certain number of free checks per year with your account. Others charge per box (typically 25 or 50 checks per box). A few banks charge nothing at all. It is worth asking your bank what they charge before you order.
Key Takeaways
- You must order checks separately from opening a checking account — they do not come automatically.
- Most banks let you order checks online, by phone, or at a branch, and delivery usually takes one to two weeks.
- Some banks include free checks with your account; others charge per box, so ask your bank about their pricing.
- You can use your account and pay bills without checks while you wait for them to arrive.
- If you need checks urgently, some banks offer expedited printing for a fee, or you can order from a third-party printer.
How to order checks from your bank
The easiest way is usually through your bank's website. Log into your account, look for a section called "Checks," "Order Checks," or "Account Services," and follow the prompts. You will need to confirm your account number and mailing address. Some banks let you choose the design and color of your checks at this stage.
If you prefer not to order online, call your bank's customer service number (on the back of your debit card or on your statement) and ask to order checks. You can also visit a branch in person. The bank will ask you to verify your identity and confirm where to send the checks.
When you order, you will usually choose how many checks you want per box. A standard box has 25 or 50 checks. If you write checks often, order more; if you rarely use them, a smaller box may be enough. You can always order more later.
What information the bank needs from you
Your bank already has most of what they need — your account number, routing number, and name are in their system. When you order, they will confirm your mailing address so the checks arrive at the right place. If you have moved recently, make sure your address is current in the bank's records before you order.
Some banks ask whether you want checks printed with your name and address on them. This is standard and helps the person who receives the check know who it came from. You can usually decline this if you prefer blank checks, though most people include it.
Banks that print checks in-house versus third-party printers
Some large banks print checks at their own facilities and can deliver them faster — sometimes in three to five business days. Most smaller banks and credit unions use a third-party printer, which takes longer but is usually cheaper. Ask your bank which they use and how long delivery typically takes.
If you need checks very quickly, some banks offer rush printing for a fee (usually $10 to $25 extra). A few banks can print checks at the branch while you wait, though this is less common. If your bank cannot rush an order, you can also order checks from an independent printer like Deluxe or Costco (if you are a member), which sometimes deliver faster than the bank.
Cost of ordering checks
Bank pricing for checks varies widely. Some banks include 50 free checks per year with a checking account. Others charge $10 to $15 per box of 25 checks. A few online banks charge nothing at all. Premium or business accounts sometimes have different pricing.
If your bank charges for checks and you write them often, the cost adds up. In that case, ordering from an independent printer like Deluxe or Walmart is sometimes cheaper than ordering from the bank. Compare prices before you order a large quantity.
What to do while you wait for checks to arrive
You do not need checks to use your checking account. While you wait for them to arrive, you can pay bills through your bank's website or mobile app, set up automatic payments (called autopay), use your debit card, or ask the person you owe money to accept a bank transfer instead. Many people pay most bills online now and rarely use paper checks.
If someone asks you for a check before yours arrive, you can ask your bank for a counter check — a temporary check printed by the bank that works the same way as a regular check. Not all banks offer these, but it is worth asking.
Reordering checks and managing your supply
Once you have ordered checks once, reordering is straightforward. Most banks let you order again through the same online process. You can order as often as you need to. Some banks send you a reorder form in the back of your check box, which you can mail in with payment (if your bank charges).
Keep track of how many checks you have left. If you are running low, order before you run out completely. It usually takes one to two weeks for new checks to arrive, so plan ahead.
Frequently Asked Questions
Can I get checks the same day I open my account?
No. Banks do not print checks when ready. You have to order them after your account is open, and delivery takes one to two weeks. If you need to pay someone right away, use online bill pay, a bank transfer, or a debit card instead.
What if I lose my checks or they are damaged?
Contact your bank and explain what happened. They can cancel the lost checks so no one else can use them, and you can order a replacement box. There may be a small fee, or the bank may replace them for free depending on the reason.
Can I order checks with a different name on them?
Usually only if the name is on the account. If you are a joint account holder or have a business account, you can typically order checks with any authorized name. Ask your bank what names they will print on checks for your account.
Do I have to order checks from my bank, or can I use a different printer?
You can order from any printer, as long as the checks include your correct account number and routing number. Independent printers like Deluxe, Walmart, or Costco often have lower prices than banks. Make sure the printer uses the correct routing number for your bank.
What if my bank charges too much for checks?
Compare prices with independent printers or switch to a bank that includes free checks with your account. Many online banks and credit unions offer free checks or charge much less than traditional banks.