Your bank is usually the cheapest and fastest place to order checks
The easiest route is to order directly from your bank. Most banks let you order through their website, mobile app, or by calling customer service. Your bank already has your account number and routing number on file, so the checks arrive pre-printed with the correct information. Ordering this way usually takes three to seven business days, and the cost is often lower than ordering from a third party — many banks include a certain number of free checks per year or charge a flat fee like $10 to $15 per box of 100.
If you need checks faster, some banks offer expedited shipping for an extra fee, typically $5 to $10. A few banks, particularly credit unions and online-only banks, may not charge anything at all. Call your bank's customer service number (on the back of your debit card) to ask about their check ordering process and current pricing.
Key Takeaways
- Your bank's website or mobile app is the fastest way to order checks, and your bank prints them with your correct account and routing numbers already included.
- Bank-ordered checks usually cost $10 to $20 per box of 100, though many banks offer free checks or include them as part of your account.
- Third-party check printers like Deluxe and Costco checks are cheaper per box but require you to enter your account details correctly and take longer to arrive.
- If you need checks within a few days, ask your bank about expedited shipping or temporary check options rather than switching to a third-party printer.
Third-party check printers cost less per box but require more steps
Companies like Deluxe, Checks Unlimited, and Costco print checks for less money than banks do — sometimes half the price. A box of 100 checks from a third-party printer might cost $5 to $10, compared to $15 to $20 from your bank. The trade-off is that you have to enter your account number, routing number, and personal information yourself, and shipping takes longer — usually 10 to 14 business days.
If you choose a third-party printer, double-check that you enter your routing number and account number correctly before you submit your order. A mistake here means the checks won't work, and you'll have to reorder. You can find your routing number on your bank's website or by calling customer service. Your account number is on the bottom left of any deposit slip or statement your bank sent you.
Costco checks are a popular option if you have a Costco membership. You can order them online or in-store, and they're typically cheaper than other third-party options. However, you still need to provide your account information, and you'll wait the same amount of time for delivery.
Temporary checks and mobile check deposit reduce the urgency to order
If you need to pay someone by check before your new checks arrive, ask your bank for temporary checks. These are usually printed on plain paper with your account information, and they work just like regular checks. Your bank can often print them for you the same day or next business day, sometimes for free or for a small fee like $5. Temporary checks are not fancy, but they're valid and they solve the problem of needing to pay someone while you wait for your permanent checks.
Another option is to use mobile check deposit if your bank offers it. This feature lets you photograph a check someone wrote to you and deposit it through your bank's app, without visiting a branch or mailing anything. If you're receiving money, this removes the pressure to have checks printed right away. Many people who receive regular payments this way order checks less often or not at all.
What information you need before you order
Whether you order from your bank or a third party, have these details ready: your full name as it appears on your account, your mailing address, your account number, and your routing number. Your bank's name and address will be printed on the checks automatically if you order through your bank, but a third-party printer will ask you to provide it.
If your name or address has changed recently, update it with your bank before you order. Checks printed with old information can cause problems when you try to use them. You can update your information through your bank's website, app, or by calling customer service.
Comparing cost and speed across your options
| Where to Order | Cost per Box of 100 | Delivery Time | Best For |
|---|---|---|---|
| Your Bank (Standard) | $10–$20 (or free) | 3–7 business days | Convenience and accuracy |
| Your Bank (Expedited) | $15–$30 | 1–3 business days | Urgent need |
| Third-Party Printer (Deluxe, Checks Unlimited) | $5–$10 | 10–14 business days | Budget-conscious, no rush |
| Costco Checks | $5–$12 | 10–14 business days | Members with time to wait |
| Temporary Checks from Bank | Free or $5 | Same day or next day | when ready need |
Avoiding common mistakes when ordering
The most common mistake is entering your account number or routing number incorrectly when ordering from a third party. Once the checks are printed, they can't be fixed. Before you place an order, verify both numbers by logging into your bank's website or calling customer service. Write them down and read them twice.
Another mistake is ordering too many checks at once. If you move, change banks, or your account number changes, you'll be stuck with unusable checks. Most people use fewer checks than they expect to. Start with one box of 100 and see how long it lasts before you order more.
Don't order checks from unfamiliar websites, even if they advertise very low prices. Stick to your bank, well-known third-party printers like Deluxe or Checks Unlimited, or Costco if you're a member. Unfamiliar sites may not deliver, may print your information incorrectly, or may not be find.
Frequently Asked Questions
Can I order checks online if I have an online-only bank?
Yes. Online banks like Ally, Charles Schwab, and Chime all let you order checks through their websites or apps. The process is the same as with a traditional bank — you order online and the checks arrive in the mail. Some online banks include free checks; others charge a small fee.
What if I don't know my routing number?
Log into your bank's website or app and look for account information or settings. Your routing number is usually listed there. You can also call your bank's customer service number (on the back of your debit card) and they'll give it to you over the phone. Never give your routing number to anyone except your bank or a trusted check printer.
Do I really need to order checks, or can I just use my debit card?
You can live without checks if you pay most bills online or with your debit card. However, some landlords, utilities, or service providers still require checks. It's worth having at least one box on hand in case you need them. Many people order checks once a year or less.
What happens if I order checks but my account gets closed?
Checks written on a closed account will bounce, and the person who tried to cash them will be charged a fee. If your account is closing, wait until after it closes to order checks for a new account. If you've already ordered checks and your account closes, contact your bank when ready to see if they can redirect the order or cancel it.
Are checks from third-party printers as good as bank checks?
Yes, as long as your account number and routing number are correct. A check is a check — what matters is that the numbers are accurate and the account is active. The paper quality and design don't affect whether the check works.