Your bank is usually the fastest and safest place to order checks
Most people order checks directly from their bank—either through the bank's website, by phone, or in person at a branch. Your bank has your account details on file, so they can print checks with the correct routing number and account number already embedded. This takes the guesswork out of the process and protects you from ordering checks with wrong information.
If you bank online, log into your account and look for a "order checks" or "check services" link, usually in the account settings or services menu. If you don't see it, call the customer service number on the back of your debit card. Most banks can process an order over the phone in a few minutes. In-person orders at a branch are also an option, though they take longer to complete.
Ordering from your bank typically costs between $10 and $30 per box of 25 checks, depending on the bank and the style you choose. Delivery usually takes 7 to 14 business days. Some banks offer expedited shipping for an extra fee if you need checks faster.
Key Takeaways
- Your bank prints checks with your routing number and account number already correct, so ordering directly from them eliminates the risk of ordering with wrong information.
- Most banks let you order checks online, by phone, or in person, and the process takes just a few minutes.
- Third-party check printers like Deluxe and Costco often cost less than banks but require you to enter your account details manually, which increases the chance of errors.
- Standard delivery from a bank takes 7 to 14 business days; expedited options exist but cost more.
- If you need checks urgently, some banks offer temporary check printing or digital check features while you wait for physical checks to arrive.
Ordering checks through third-party printers costs less but requires more care
Companies like Deluxe, Costco, and Vistaprint print checks for less money than banks do—sometimes half the price. Deluxe is the largest independent check printer in the United States and works with most banks. Costco offers checks to members at discounted rates. These printers can also offer more design options if you want personalized checks.
The catch is that you have to enter your routing number and account number yourself when you order. If you make a mistake, the checks won't work, and you'll have wasted money and time. Before you order from a third party, verify your routing number (available on your bank's website or the bottom left of an existing check) and your account number (on the bottom of an existing check or in your online banking portal). Double-check both numbers before you submit the order.
Third-party printers typically deliver in 10 to 21 business days. Deluxe offers next-business-day delivery for a premium price if you're in a rush. Costco checks usually take 7 to 10 business days for members.
When you need checks right away
If you can't wait for physical checks to arrive, ask your bank whether they offer temporary check printing or digital check features. Some banks let you print checks at home on regular paper using a template and special ink, though not all merchants accept them. Others offer a digital payment feature that works like a check but moves money electronically.
Another option is to ask your bank for a counter check—a temporary check printed by the bank itself, usually available the same day if you visit a branch. Counter checks have your account information printed on them and work just like regular checks, but they're plain and numbered sequentially starting from 1. Most banks provide a small number of counter checks free or for a small fee.
If you need to pay someone when ready and don't have checks, consider whether you can use a bank transfer, wire transfer, or bill pay service instead. These move money faster and don't require physical checks at all.
What information you need before you order
Whether you order from your bank or a third party, have these details ready: your routing number (the nine-digit code that identifies your bank), your account number (the number unique to your checking account), and your name and address as they appear on your account. You'll also need to decide how many checks you want per box (usually 25 or 50) and whether you want standard checks or a custom design.
If any of this information is wrong on your order, the checks won't work. If you're unsure about your routing or account number, log into your online banking portal or call your bank's customer service line. Don't guess.
Comparing bank orders, third-party printers, and other options
| Option | Cost per box | Delivery time | Risk of errors | Best for |
|---|---|---|---|---|
| Your bank (online or phone) | $10–$30 | 7–14 business days | Low (bank has your info) | Most people; peace of mind |
| Deluxe or other third-party printer | $5–$15 | 10–21 business days | Medium (you enter your info) | Budget-conscious; custom designs |
| Costco (members only) | $8–$12 | 7–10 business days | Medium (you enter your info) | Costco members; lower cost |
| Counter check from bank branch | Free–$5 | Same day | Low (bank prints) | Urgent need; temporary solution |
| Digital check or home printing | Free | when ready | High (not accepted everywhere) | Emergency only; not all merchants accept |
What happens after you place your order
Once you order, your bank or printer will confirm the order and give you a reference number. Keep this number in case you need to track the order or contact them about a problem. You'll receive an email or letter with tracking information if the printer offers it.
When your checks arrive, inspect them before you use them. Make sure your name, address, routing number, and account number are all correct. If anything is wrong, contact the printer or your bank when ready—don't use the checks. Most printers will reprint an order at no charge if there's an error on their end.
Store your checks in a safe place and keep them in order. Don't leave them in your car or anywhere they could be stolen. If checks go missing, tell your bank right away so they can watch for fraudulent use.
Frequently Asked Questions
Can I order checks from my bank if I just opened my account?
Yes. Most banks let you order checks as soon as your account is open and active. If you can't find the option online, call customer service and they can process the order over the phone. You may need to wait a day or two for the account to fully set up in their system before you can order.
What if I order checks from a third party and they have the wrong account number?
The checks won't work. Contact the printer when ready and explain the error. Most reputable printers will reprint the order at no charge if the mistake was yours, though some may charge a small fee. If the error was the printer's, they should reprint for free. Don't use the incorrect checks.
Do I have to order checks in person at my bank?
No. Most banks let you order online or by phone, which is faster than going to a branch. In-person orders are an option if you prefer to speak to someone face-to-face, but they don't process any faster.
Can I use checks from my old bank account after I switch banks?
No. Checks are tied to a specific account at a specific bank. If you close an account and open a new one, you need new checks with the new account number and routing number. Using old checks will cause them to bounce or be rejected.
How long do checks stay valid?
Checks are generally valid for six months from the date written, though some banks honor them longer. After six months, a check is considered stale and a bank may refuse to cash it. This doesn't affect your ability to use the checks—it just means the person who receives them should deposit or cash them within a reasonable time.