Most banks no longer send a checkbook automatically, but you can order one

When you open a checking account today, the bank will not automatically mail you a checkbook. Some banks stopped doing this years ago; others still offer it as an option you have to request. You will usually need to order checks separately, either during account setup or afterward through your bank's website or by calling them.

The shift happened because fewer people write checks. Banks found that sending unsolicited checkbooks cost money and often went unused. Now they treat checks as something you order when you actually need them, the same way you might order extra debit cards.

If you want checks, you have choices about where to get them and how much to pay. The timing matters too — if you need checks for a specific bill or payment, ordering them takes time.

Key Takeaways

  • You will not receive a checkbook in the mail just for opening an account; you must request one during signup or order it later.
  • Banks typically charge $15 to $30 for a box of 50 checks, though some offer the first box free or at a discount.
  • Checks ordered through your bank usually arrive in 7 to 10 business days, so plan ahead if you need them by a specific date.
  • Third-party check printers like Costco, Walmart, and online vendors often cost less than ordering through your bank.
  • Many checking accounts now come with a debit card instead, which works for most payments that used to require checks.

What happens during account opening

When you sign up for a checking account — whether online, at a branch, or over the phone — the bank will ask whether you want to order checks. This is a yes-or-no question, not something that happens by default. If you say no or skip the question, you will not get checks.

Some banks offer the first box of checks free or at a reduced price during signup as an incentive. Others charge the full price when ready. A few banks still include one free box, but this is becoming rare. Read the account terms or ask the bank directly before you open the account if checks matter to you.

If you do not order during signup, you can order checks anytime after the account is open. Most banks let you order through their website under account settings or services. You can also call the bank's customer service line and request them by phone.

How much checks cost and where to buy them

A box of 50 checks ordered through your bank typically costs $15 to $30, depending on the bank and the check design. Fancy designs, security features, or personalization can push the price higher. Basic checks with your name and account number are the cheapest option.

You can often save money by ordering checks from a third-party printer instead of your bank. Costco, Walmart, and online vendors like Vistaprint and Deluxe sell checks for $10 to $20 per box of 50, sometimes less if you order in bulk. These checks work exactly the same as bank-ordered checks — they have the same routing and account numbers printed on them.

To order from a third-party printer, you will need your routing number and account number, which you can find on your debit card, in your online banking portal, or by calling the bank. The printer will print those numbers on the checks you order.

How long it takes to get checks

Checks ordered through your bank usually arrive in 7 to 10 business days. Some banks offer expedited shipping for an extra fee — typically $10 to $15 — which cuts the time to 3 to 5 business days. Third-party printers have similar timelines, though some offer faster options if you pay extra.

If you need checks urgently, ask your bank whether they can issue temporary checks or a counter check — a check the bank prints on the spot that you can use when ready. Not all banks offer this, and some charge a small fee, but it solves the problem if you have a payment due before your ordered checks arrive.

Why you might not need checks at all

Many people open a checking account and never order checks. Your debit card, which comes with the account, works for most payments — in stores, online, and over the phone. Bills can be paid through your bank's bill pay service, which sends money directly to the payee without a check. Rent and other large payments can go through ACH transfers or wire transfers.

Checks are still necessary for some situations: paying certain contractors or service providers who do not take cards, sending money to someone who does not have a bank account, or making a payment to an organization that only accepts checks. But these are specific cases, not the default.

If you are unsure whether you will need checks, wait and order them only if a situation comes up where you actually need them. This saves you money and avoids having unused checks sitting in a drawer.

What to do if your bank charges for the first box

If your bank charges for checks and you want to avoid the cost, you have a few options. Order from a third-party printer instead — the savings are usually $5 to $10 per box. Some banks waive the fee if you set up direct deposit or maintain a minimum balance, so ask customer service whether you may have access to for any discounts.

You can also straightforward not order checks if you do not need them right now. There is no penalty for having a checking account without checks. If a situation comes up later where you need them, you can order at that point.

Frequently Asked Questions

Can I use my account before checks arrive?

Yes. Your debit card and online banking access work when ready. You can make purchases, pay bills, and transfer money without waiting for checks. Checks are optional — they are only needed if you specifically want to write a check to someone.

What if I order checks and they never arrive?

Contact your bank or the check printer right away. Most will reissue checks at no charge if they were lost in the mail. Keep the confirmation number from your order so you can reference it when you call.

Can I get checks with a different name on them?

Your checks must match the name on your account. If you need checks under a different name — for a business, for example — you will need a separate business checking account. Personal checks cannot have a different name printed on them.

Do I have to order checks from my bank?

No. You can order from any third-party check printer as long as they print your correct routing number and account number. Third-party checks work in your account exactly the same way as bank-ordered checks and often cost less.

What if my account number changes?

Your account number does not change when you open an account. It stays the same for the life of the account. If the bank ever closes your account and you open a new one, you will get a new account number and will need new checks.