Most checking accounts do not automatically include a checkbook — you usually have to order one separately, and some banks charge for it
When you open a checking account, the bank gives you a debit card and online access to your money. A checkbook is not part of that standard package. You can order checks from your bank, but you will need to request them, and depending on where you bank, you might pay a fee or get them free.
Some banks include a small starter set of checks when you first open the account, but this is not may provide. Even if you get a few free checks to start, ordering additional checks later will follow the bank's normal pricing.
The reason banks do not automatically include checkbooks is straightforward: most people do not write checks anymore. Debit cards, online transfers, and bill-pay services handle most payments. Checks are still useful in certain situations — paying rent, making donations, or sending money to someone without a bank account — but they are no longer the main way people move money.
Key Takeaways
- Checkbooks are not included with most checking accounts and must be ordered separately from your bank.
- Some banks charge a fee for checks, while others offer them free or at a low cost — this varies by bank and account type.
- You can order checks directly from your bank's website, by phone, or in person at a branch.
- If you rarely write checks, you may not need to order a checkbook at all — a debit card and online bill pay cover most payments.
How to order checks from your bank
The process is straightforward. Log into your online banking account and look for a "order checks" or "check services" link, usually in the account settings or services section. Some banks also let you order checks through their mobile app. If you prefer not to use the website, you can call your bank's customer service line or visit a branch in person.
When you order, you will choose the style and quantity of checks you want. Most banks offer basic designs at no cost and fancier designs for a higher price. You will also confirm your account number and address so the checks are printed correctly. Delivery usually takes one to two weeks, though some banks offer rush printing for an extra fee.
What banks charge for checks
Pricing varies widely. Some banks, particularly online banks and credit unions, offer checks free or very cheap — sometimes $5 to $10 per box of 25 checks. Other banks charge $15 to $30 per box. A few banks include free checks as part of certain account types, especially premium or business accounts.
If cost is a concern, you have an option: you can order checks from a third-party printer instead of your bank. Companies like Costco, Walmart, and online check printers often charge less than banks do. These checks work the same way as bank-printed checks — they have your account number and routing number printed on them — and most banks accept them without issue. Before ordering from a third party, confirm with your bank that they will accept non-bank-printed checks.
When you actually need a checkbook
Checks are still the right tool for certain payments. Landlords often require checks for rent because they create a paper trail and are harder to dispute than cash. Some utilities, insurance companies, and government agencies still prefer checks. Charities and nonprofits frequently accept checks by mail. And if you need to send money to someone who does not have a bank account, a check is one of the few ways to do it.
For everything else — paying bills, buying groceries, sending money to friends — a debit card or online transfer is faster and safer. If you have not written a check in months, you probably do not need to order a checkbook. You can always order one later if a situation comes up where you need it.
What happens if you lose checks or run out
If you lose a checkbook or run out of checks, straightforward order more from your bank using the same process. There is no penalty for ordering multiple times. If you lose a check before you use it, you do not need to do anything — the check is worthless without your signature, and the bank will not cash it.
If you lose a check after you have signed it, contact your bank right away. Tell them the check number and amount. The bank can put a stop payment on that check, which prevents anyone from cashing it. There is usually a small fee for a stop payment — typically $25 to $35 — but it protects you if the check ends up in the wrong hands.
Alternatives to checks for common situations
If you want to avoid ordering checks altogether, you have other options for the situations where checks are normally used. For rent, ask your landlord if they accept bank transfers, credit card payments, or online payment services like Venmo or PayPal. For bills, set up automatic payments through your bank's bill-pay service — you can schedule payments to go out on specific dates without writing a single check. For charitable donations, most nonprofits accept credit cards, bank transfers, or online giving platforms.
The only situation where checks are truly hard to replace is when you need to send money to someone without a bank account. In that case, a check is one of your best options, though money orders and cashier's checks are alternatives if you do not want to use a regular check.
Frequently Asked Questions
Do I get free checks when I open a checking account?
Some banks include a small starter set of checks with a new account, but this is not standard. Most banks do not include checks automatically. Check with your bank to see if your account type comes with free starter checks.
Can I use checks from a different bank?
No. Checks must be printed with your specific account number and routing number from your bank. You cannot use someone else's checks or generic blank checks. You must order checks that are linked to your account.
How long do checks take to arrive?
Standard delivery is usually one to two weeks from the time you order. Some banks offer expedited shipping for an extra fee if you need checks faster. A few banks can print checks in-branch when ready, though this is less common.
What if my bank charges too much for checks?
You can order checks from a third-party printer like Costco or an online check printer, which are often cheaper than banks. Make sure your bank accepts non-bank-printed checks before ordering. You can also switch banks if check pricing is important to you — many credit unions and online banks offer free checks.
Can I write a check if I do not have a checkbook yet?
No. You need a physical check with your account number and routing number printed on it. You cannot write a check on blank paper or use someone else's checks. If you need to pay someone by check before your order arrives, ask your bank if they can print checks in-branch or issue a cashier's check instead.