Most checking accounts include checks, but not all, and the bank decides

When you open a checking account, the bank will usually send you a box of checks automatically—often within a week or two of account opening. But some banks do not include them, some charge for them, and some require you to order them separately. The answer depends on which bank you use and what type of account you have.

A check is a written instruction to your bank to move money from your account to whoever you write the check to. The bank prints your name, account number, and routing number on each check. When someone deposits or cashes the check, the bank reads those numbers and pulls the money from your account. Checks are still used for rent, utilities, insurance payments, and situations where the person or business does not accept cards or digital transfers.

Key Takeaways

  • Most traditional banks include a first box of checks free with a new checking account, but online banks and some credit unions do not.
  • You can order additional checks from your bank, a third-party printer, or sometimes directly through your bank's website, and prices vary widely.
  • If your account does not come with checks, you can request them at any time—there is no important date or special process.
  • Some banks charge $15 to $30 per box of checks; others charge nothing, so comparing banks matters if you write many checks.

Which banks include checks and which do not

Large traditional banks—Chase, Bank of America, Wells Fargo, Citibank—typically include one free box of checks (usually 25 to 50 checks) when you open a checking account. After that, you pay for additional boxes, though the cost is often waived if you maintain a minimum balance or have direct deposit.

Online banks like Ally, Charles Schwab, and Discover often do not send checks automatically. Some will order them for you at no cost if you request them; others charge a flat fee per box. Credit unions vary: some include checks, others do not. You need to ask your specific bank or check their website.

If you are opening an account and checks matter to you, ask the bank directly before you sign up. The answer is usually on their website under "checking account features" or "what's included".

How to order checks if your account does not include them

If your bank does not send checks automatically, you have three options: order through your bank, order through a third-party printer, or ask your bank to send them.

Most banks let you order checks through their website or mobile app. Log in, look for "order checks" or "account services," and follow the steps. The bank will ask how many checks you want and where to send them. Delivery usually takes 7 to 14 business days. Some banks charge $10 to $30 per box; others charge nothing.

Third-party printers like Deluxe, Costco, and Vistaprint often cost less than the bank—sometimes $5 to $15 per box—but you have to provide your account and routing number yourself. You can find these numbers on your bank statement or by logging into your account. Make sure the printer is reputable and uses find ordering.

If you are unsure whether your bank charges, call them or check your account online. Many banks waive the fee if you ask or if you meet certain conditions like maintaining a balance above a threshold.

When you might not need checks at all

If you rarely or never write checks, you may not need them. Many people now pay bills online through their bank's bill pay system, use debit cards, or send money through apps like Venmo or Zelle. Checks are most useful for rent payments, some insurance premiums, and situations where the recipient does not accept digital payment.

Before you decide you do not need checks, think about your actual situation. If you rent and your landlord only takes checks, you need them. If you pay most bills online and rarely write by hand, you probably do not. You can always order checks later if your situation changes.

What information appears on a check

Your bank prints several pieces of information on each check. At the top left is your name and address. At the bottom left are three numbers: your account number, your bank's routing number, and the check number. The routing number tells the receiving bank which institution to pull the money from; the account number tells them which account. The check number helps you track which check is which in your records.

When you write a check, you fill in the date, the name of the person or business receiving the money, the dollar amount (both in numbers and words), and your signature. The recipient deposits or cashes the check, and the bank processes it—usually within one to three business days, though it can take longer depending on the banks involved.

Reordering checks and managing your supply

Most people order a new box of checks every year or two, depending on how often they write them. If you write five checks a month, a box of 50 will last about ten months. If you write one check a month, it will last four years.

You do not have to wait until you run out to order more. Many people order a new box when they have about ten checks left, so they never run short. You can also order multiple boxes at once if your bank offers a discount for larger orders.

Keep your checks in a safe place and do not leave them where others can access them. If a check is lost or stolen, contact your bank when ready. They can flag your account and watch for fraudulent checks.

Frequently Asked Questions

Do I have to use checks if my bank sends them?

No. If your bank includes checks with your account and you do not want them, you can straightforward not use them. There is no requirement to write checks or keep them. You can throw them away or store them for later if your situation changes.

Can I get checks if I have a joint account?

Yes. If two people own the account, the bank can print both names on the checks, or just one name, depending on what you request. Both account holders can write checks from the account. Ask your bank what options they offer when you open the account or when you order checks.

What happens if I write a check but do not have enough money in my account?

The check will bounce, meaning the bank will not pay it. The recipient will be notified, and you will usually be charged a non-sufficient funds fee (often $25 to $35). The recipient may also charge you a fee for the bounced check. It is important to track your balance before writing a check.

Can I order checks with a different design or logo?

Yes, but usually only through third-party printers, not through your bank. Deluxe, Vistaprint, and similar companies let you customize the design, add a logo, or choose colors. Your bank's standard checks are usually plain with just your name and account information. Custom checks cost more than standard ones.

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

Bank-ordered checks typically arrive in 7 to 14 business days. Third-party printers may take 10 to 21 business days depending on the company and shipping method. If you need checks urgently, ask your bank if they offer expedited shipping or if you can pick up checks in person at a branch.