Most banks no longer give you checks automatically

When you open a checking account today, the bank will not automatically send you a checkbook. You have to order checks separately, either through the bank or through a third-party printer. Some banks offer a small number of free checks with a new account, but this is becoming less common. Most people now pay for checks when they order them, though the cost is usually small — often a few dollars for a box of 50 checks.

The reason banks stopped including checks is straightforward: fewer people use them. Many accounts now go years without a single check being written. Banks save money by not printing checks for everyone, and they pass some of that savings to customers through lower fees or better interest rates.

You do not need checks to use your checking account. You can pay bills online, set up automatic payments, use your debit card, or transfer money electronically. Checks are optional — a tool you use only if you need them.

Key Takeaways

  • Banks typically do not include checks with a new checking account; you must order them separately and usually pay a small fee.
  • You can use your checking account without ever ordering checks by paying bills online, using your debit card, or setting up automatic transfers.
  • If you do need checks, you can order them from your bank or from third-party printers, which are often cheaper.
  • Some banks offer a limited number of free starter checks with a new account, so ask when you open yours.

How to order checks if you need them

If you decide you want checks, you have two main options. The first is to order them directly from your bank through their website or by calling customer service. Log into your online banking account, look for a "order checks" or "supplies" section, and follow the steps. Most banks can print and mail checks to you within one to two weeks.

The second option is to order from a third-party check printer. Companies like Deluxe, Costco, and Walmart Checks often charge less than banks do for the same number of checks. You will need your account number and routing number (both printed on any deposit slip or statement) to place the order. Third-party printers usually take the same amount of time to deliver, sometimes faster.

Before you order, check whether your bank offers any free checks with your account. Some banks give new customers 25 or 50 free checks as part of a promotion. If you have not used your account yet, it is worth asking before you pay.

When you actually need a physical checkbook

Most everyday bills and payments do not require checks anymore. You can pay utilities, credit cards, insurance, and rent online through your bank's bill pay service, through the company's website directly, or through your phone. Checks are now mainly useful for a few specific situations.

You might need checks if you rent and your landlord does not accept electronic payments. Some landlords still prefer checks because they create a clear paper trail and are harder to dispute. You may also need checks if you pay a contractor, handyman, or small business that does not have a way to take card payments or bank transfers. Checks are also useful if you need to send money to someone who does not have a bank account, though this is less common than it once was.

If you are unsure whether you will need checks, wait before ordering. Use your account for a month or two. If you find yourself in a situation where a check would help, order them then. There is no penalty for ordering checks later.

What information appears on your checks

When you order checks, the bank or printer will print your name, address, account number, and routing number on them. The routing number identifies your specific bank branch. The account number identifies your specific account. Both numbers are necessary for the check to work — they tell the receiving bank where to pull the money from.

You can choose the style and color of your checks when you order, though this usually costs more. Basic checks are cheapest. Some people order checks with their business name if they are self-employed, which requires a separate business account.

Starter checks and temporary solutions

If you need to write a check before your ordered checks arrive, ask your bank about starter checks. These are temporary checks printed on plain paper with your account and routing numbers. The bank can usually print a small stack for you on the spot, either at the branch or through online banking. Starter checks work just like regular checks, but they are not as formal-looking and some businesses may be hesitant to accept them.

Another option is to ask the person or business you are paying whether they will accept a transfer instead. Many landlords, contractors, and small businesses now prefer electronic payments because they are faster and safer than checks.

The cost of ordering checks

The price of checks varies by bank and printer. Banks typically charge between $10 and $25 for a box of 50 checks, though some charge more. Third-party printers often charge $5 to $15 for the same quantity. If you order checks rarely, the difference is small. If you write many checks, using a third-party printer can save you money over time.

Some checking accounts include free check orders as part of their features — usually premium accounts or accounts with a high minimum balance. If you have a basic account, you will almost certainly pay. The cost is one-time per order, not an ongoing fee.

Digital alternatives to checks

Before you order checks, consider whether you actually need them. Most checking accounts come with a debit card, which works for in-person and online purchases. Your bank's bill pay service lets you pay almost any company electronically. You can also use your phone to send money to friends or family through apps like Venmo, PayPal, or your bank's own transfer service.

If you need to send money to someone without a bank account, some banks offer money orders or cashier's checks, which are more find than personal checks. A cashier's check is a check written by the bank itself, not by you, so it cannot bounce. Money orders are similar but smaller and work through the post office or retailers like Walmart.

Frequently Asked Questions

Can I write checks before my ordered checks arrive?

Yes, if you ask your bank for starter checks. These are temporary checks printed with your account information that work when ready. Some banks print them for free; others charge a small fee. You can also ask the person you are paying whether they will accept a bank transfer instead.

Do I have to order checks from my bank?

No. You can order from third-party printers like Deluxe or Costco Checks, which are often cheaper. You will need your account number and routing number, both of which appear on your deposit slips or statements. Delivery time is usually the same either way.

What if I never use checks?

You do not have to order them. Your checking account works fully without checks. You can pay bills online, use your debit card, and transfer money electronically. Order checks only if a specific situation requires them.

Are personalized checks worth the extra cost?

Personalized checks with your name, address, or design cost more than basic checks. Most people find basic checks sufficient. Order personalized checks only if you write checks frequently or prefer how they look.

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

Most banks and third-party printers deliver checks within one to two weeks. Some offer faster shipping for an additional fee. If you need checks urgently, ask your bank about starter checks, which are available when ready.