Getting checks from your bank is straightforward: you order them through your bank's website, mobile app, by phone, or in person at a branch

Most banks let you order checks directly without leaving home. You'll need your account number and routing number, which appear on statements and deposit slips. The bank prints and mails them to your address on file, usually within 7 to 10 business days. Some banks charge a small fee per box—typically $10 to $25—while others include a certain number of free checks per year as part of your account.

If you need checks faster, some banks offer expedited printing for an additional fee, usually $15 to $30 more. A few banks still allow you to order checks in person at a branch and pick them up the same day, though this is becoming less common. Third-party check printers like Deluxe or Costco also sell checks compatible with your account, often at lower prices than the bank itself charges.

Key Takeaways

  • You can order checks online, by app, by phone, or in person—most banks offer all four methods.
  • Standard delivery takes 7 to 10 business days; expedited options cost extra but arrive in 2 to 3 days.
  • Your bank's website usually shows the exact fee and delivery timeline before you confirm the order.
  • Third-party printers like Deluxe or Costco often charge less per box than ordering directly from your bank.
  • You need your account number and routing number to place an order, both of which appear on your statements.

Ordering checks online or through your bank's app

Log into your bank's website or mobile app and look for "Order Checks" or "Reorder Checks" in the account services menu. The exact location varies by bank—some put it under "Account Services," others under "Debit Card & Checks." Click through and select the number of boxes you want, the check design if your bank offers options, and confirm your mailing address.

Before you submit, the bank will show you the total cost and estimated delivery date. Most banks charge per box rather than per check, so ordering two boxes at once may cost only slightly more than one. After you confirm, you'll receive an order confirmation number by email. Save this in case you need to track the order or contact the bank about it.

Ordering checks by phone or in person

Call the customer service number on the back of your debit card or on your bank statement. Have your account number ready. The representative will ask which address to mail the checks to, how many boxes you want, and will process the payment. They'll give you a confirmation number and tell you the expected arrival date.

If you visit a branch in person, bring your debit card or ID. A teller can place the order for you on the spot. Some branches keep a small supply of temporary checks on hand for customers who need them when ready, though these are not full-featured checks and are meant only for urgent situations. Ask the teller whether your branch has this option.

Understanding check fees and what they cover

Bank check fees vary widely. Some banks include 25 or 50 free checks per year as part of a checking account, while others charge $10 to $25 per box regardless of account type. Premium or business accounts sometimes offer free checks as a perk. Before you order, check your account terms or ask customer service whether you have any free checks coming to you.

The fee covers printing, personalization with your name and account number, and first-class mail delivery. Expedited shipping—delivery in 2 to 3 business days instead of 7 to 10—typically costs an extra $15 to $30. Specialty designs, such as checks with images or non-standard colors, may also carry a higher price. The bank will show all costs before you confirm the order.

When to use third-party check printers instead

Companies like Deluxe, Costco, and Walmart print checks that work with your bank account. They use your routing number and account number to create checks identical to what your bank would print. Third-party printers often charge $5 to $15 per box, roughly half what banks charge, and sometimes offer faster delivery or more design options.

The trade-off is that you're ordering from outside your bank. Make sure the printer you choose is reputable—Deluxe and Costco are established vendors that banks recognize. Avoid unknown printers or deals that seem unusually cheap, as poorly printed checks can be rejected by merchants or banks. Your bank will accept checks from any legitimate printer as long as the routing and account numbers are correct.

What to do if you need checks urgently

If you need checks within the next few days, call your bank and ask about expedited printing. Most banks can print and ship checks within 2 to 3 business days for a fee. Some branches keep temporary check stock on hand—ask whether yours does. These are not personalized but have your account number printed on them and work for when ready needs.

If even expedited checks won't arrive in time, ask your bank whether you can pay bills online or by phone instead. Most banks offer free bill pay through their website, which eliminates the need for checks altogether. If you absolutely must have a physical check, some banks can issue a cashier's check or money order at a branch, though these cost extra and are meant for one-time payments rather than ongoing use.

Tracking your check order and what to do if they don't arrive

After you place an order, the bank sends a confirmation email with an order number. Use this number to track the shipment if your bank offers tracking—some do, some don't. Standard mail delivery takes 7 to 10 business days from the print date, not from the order date. If your bank shows a print date, add 7 to 10 days to that date to estimate arrival.

If checks don't arrive within the promised timeframe, contact your bank with the order number. The bank can reprint and rush them at no extra charge if the delay was their fault. If the checks were lost in the mail, the bank will investigate and may issue a replacement order. Keep your confirmation number until the checks arrive and you've verified they're correct.

Frequently Asked Questions

Can I order checks if I just opened my account?

Yes. Most banks let you order checks as soon as your account is open and funded. You'll need your account number and routing number, both of which the bank provides when you open the account. If you can't find them, call customer service or log into your online banking.

What if I order checks but then close the account?

Checks printed with your account number will not work after you close the account. If you've already ordered but haven't received them, contact the bank when ready to cancel the order. If the checks arrive after closure, do not use them—they will be rejected.

Do I have to use my bank's checks, or can I use any checks?

You can use checks from any legitimate printer as long as your routing number and account number are correct. Your bank does not require you to buy checks from them. Third-party printers are often cheaper and just as reliable.

How many checks should I order at once?

Most people order one or two boxes at a time. A standard box contains 100 checks. If you write fewer than 10 checks per month, one box lasts about a year. Order based on how often you use checks and how much storage space you have.

What if my address changes after I order checks?

Contact your bank when ready with your order number. If the checks haven't printed yet, the bank can usually change the mailing address. If they've already shipped, you may need to pick them up from the post office or have them forwarded. Call customer service to find out what's possible.