How to get a checkbook from your bank

You can order checks from your bank through their website, by phone, in person at a branch, or sometimes through their mobile app. Most banks let you order during account setup or anytime after. The bank prints your name, account number, and routing number on the checks, then mails them to the address on file — usually within 7 to 14 business days, though some banks offer expedited printing for a fee.

You do not need to wait for a physical branch visit or fill out a form in person. A phone call or a few clicks online is enough. If you need checks urgently, some banks can print them same-day at a branch location, or you can use temporary checks (also called counter checks) while you wait for your order to arrive.

Key Takeaways

  • Most banks let you order checks online through your account dashboard, by calling customer service, or in person at a branch.
  • Standard delivery takes 7 to 14 business days; expedited printing costs extra but arrives faster, sometimes within 2 to 3 business days.
  • If you need to write a check before your order arrives, ask your bank for temporary checks (counter checks) at no cost.
  • You can order checks anytime after opening an account, and the bank will print your account details on them automatically.
  • Some banks charge a small fee per box of checks; others include them free with certain account types.

Ordering checks online through your bank's website

Log into your online banking account and look for a link labeled "Order Checks," "Reorder Checks," or "Check Services" — usually in the account management or settings section. Click it, select the quantity and style of checks you want (standard, duplicate, or other formats), review the address where they will be mailed, and confirm your order. The bank will show you the cost, if any, before you finish.

Once you submit, you will see a confirmation number and an estimated delivery date. Write down the confirmation number in case you need to track the order or contact the bank later. Most banks send a confirmation email as well. If the address on file is wrong, update it in your account settings before ordering, or call the bank to change it before the checks ship.

Ordering checks by phone or at a branch

Call the customer service number on the back of your debit card or on your bank statement. Tell the representative you want to order checks. They will ask for your account number, the quantity you want, and confirm the mailing address. Some banks also let you choose check styles over the phone. The representative will tell you the cost and estimated delivery date before processing the order.

If you prefer to order in person, visit any branch of your bank with your ID and debit card. A teller or account representative can process the order on the spot and give you a receipt with a confirmation number and delivery estimate. In-person ordering is useful if you want to ask questions about check styles or if you need checks urgently and the branch offers same-day printing.

Costs and what to expect

Many banks include a free box of checks with a new account or with certain account types (such as premium or business accounts). If your account does not include free checks, a box typically costs between $10 and $25, depending on the bank and the style you choose. Duplicate checks (with a carbon copy) and specialty designs cost more than standard checks.

Expedited printing usually costs $15 to $30 extra and delivers in 2 to 3 business days instead of 7 to 14. Some banks offer rush delivery to a branch for same-day pickup. Ask about these options when you order if you need checks quickly. A few banks partner with third-party check printers and may offer lower prices or more design options, but the bank still handles the order through their website or phone line.

Using temporary checks while you wait

If you need to write a check before your order arrives, ask your bank for temporary checks (also called counter checks or starter checks). The bank prints a small pad of blank checks with your account number and routing number but without your name — you write your name by hand on each one. Temporary checks are free and available when ready at any branch or sometimes by mail.

Temporary checks work just like regular checks for most purposes, though some businesses or individuals may be hesitant to accept them because they lack your printed name. If you are paying a bill or sending a check to a trusted payee, temporary checks are fine. For formal payments or checks you want to look professional, wait for your printed checks to arrive.

Reordering checks for an existing account

Once you have used a box of checks, you can reorder the same style through the same methods — online, by phone, or in person. The bank will print the same account number and routing number on the new box. If you want to change the style, add a middle initial, or update any other detail on the checks, tell the bank when you order and they will note the change.

Most banks let you reorder checks anytime, even if you still have some left. There is no penalty for ordering early. If you are closing an account, do not order new checks; instead, use up what you have or ask the bank for guidance on what to do with unused checks.

What to do if your checks do not arrive

If your checks do not arrive within the estimated timeframe, log into your account or call the bank and reference your confirmation number. The bank can check the status of your order and tell you whether it is still in production, in transit, or delayed. If the order is lost or significantly delayed, the bank can usually reprint and expedite a replacement at no extra cost.

If you receive checks with errors (wrong account number, misspelled name, wrong address), contact the bank when ready with a photo of the checks. Do not use them. The bank will cancel that order and reprint the correct version. This usually happens at no cost if it was the bank's mistake.

Frequently Asked Questions

Can I order checks from a bank I just opened an account with?

Yes. You can order checks as soon as your account is active, usually the same day you open it. Many banks offer a free box with new accounts, so check whether your account type includes them before paying for an order.

What if I do not have online banking set up yet?

Call the bank's customer service number or visit a branch in person. Both can process a check order without you needing to log in online. You will need your account number and ID.

Can I order checks from a different bank than the one where I have my account?

No. Checks must be ordered through the bank that holds your account, because the bank prints your account number and routing number on them. Third-party check printers exist, but your bank does not recognize orders placed with them.

How long do checks take to arrive if I pay for expedited shipping?

Expedited delivery typically takes 2 to 3 business days, though some banks offer same-day printing at a branch. Call your bank to ask what rush options they offer and what the cost is.

What if I lose my checkbook before I use all the checks?

Contact your bank right away and report the lost checks. The bank can cancel those checks so no one else can use them. You can then order a new box. If someone cashes a lost check without your permission, report it as fraud and the bank will investigate.