Chase does not automatically send checks with a new checking account

When you open a Chase checking account, you will not receive a starter pack of checks in the mail. Chase requires you to order checks separately, either through their website, by phone, or at a branch. The bank stopped including free checks as a standard feature years ago, though some account tiers may offer one free order per year.

You can use your account and make payments without checks—through Chase's debit card, mobile app, bill pay feature, or ATM withdrawals. But if you need physical checks, you have to request them. The process takes a few business days to a couple of weeks depending on which method you use to order.

Key Takeaways

  • Chase does not mail checks automatically when you open an account; you must order them yourself through the Chase website, app, phone, or a branch.
  • Some Chase account types offer one free check order per year, while others charge a fee that typically ranges from $10 to $20 per box.
  • You can start using your account immediately with a debit card and digital payments even if you have not ordered checks yet.
  • Checks ordered online usually arrive within 7 to 10 business days; rush orders are available for an additional fee.

How to order checks from Chase

The fastest way to order checks is through your Chase online account or mobile app. Log in, go to the Checks section, and select your account. You can choose from standard designs or personalized options, set the quantity, and confirm your mailing address. Most online orders arrive within 7 to 10 business days.

You can also call Chase at the number on the back of your debit card and request checks over the phone. A representative will verify your account and process the order. If you prefer to order in person, visit a Chase branch with your ID and account information.

Rush delivery is available if you need checks faster. This typically costs extra—usually $15 to $25 depending on how quickly you need them—and can cut the delivery time to 3 to 5 business days.

Which Chase accounts include free checks

Chase's premium checking accounts, such as Chase Sapphire Checking and Chase Premier Plus Checking, often include one free check order per year. Standard accounts like Chase Total Checking do not include free checks; you pay per order.

The cost of a box of checks varies by design and quantity. Standard checks typically cost $10 to $20 per box of 100. Personalized or specialty designs cost more. Some third-party check printers offer cheaper alternatives, though you will need to verify that Chase accepts checks printed outside their system.

What you can do without checks while you wait

You do not need checks to use your Chase account. Your debit card works immediately for in-person purchases and online shopping. The Chase mobile app lets you pay bills, send money to other people, and check your balance from anywhere.

Chase's bill pay feature lets you schedule payments to almost any business or person directly from your account. You can set up one-time payments or recurring bills. This works for utilities, credit cards, insurance, rent, and most other regular expenses. Bill pay is free for Chase checking customers.

If you need to send money to another person without using checks, you can use Zelle (integrated into the Chase app), transfer funds to another bank account, or use a peer-to-peer payment app. For cash, use any Chase ATM or ask for cash back at a store when you use your debit card.

When you might still need physical checks

Some landlords, contractors, and service providers still require checks as payment. Certain government agencies and older businesses may not accept digital payments. If you are paying someone who specifically asks for a check, that is when you will need them.

Even then, you have options. Some people use mobile check deposit to send a photo of a check to someone else's account, or they ask the payee whether they accept bank transfers, ACH payments, or credit card payments instead. But if the payee will only take a check, you will need to order them from Chase or use a third-party check printer.

Third-party check printers as an alternative

If Chase's pricing or delivery time does not work for you, companies like Costco, Sam's Club, and online printers like Checks Unlimited and Deluxe offer checks at lower prices. These checks work with your Chase account as long as they have your correct routing number and account number printed on them.

Third-party checks are often cheaper—sometimes half the price of Chase's standard checks—and may arrive faster. However, verify that the printer uses the correct routing and account numbers for your specific Chase branch, as these can vary. You can find your routing number in the Chase app or by calling the bank.

Frequently Asked Questions

Can I use my Chase account before my checks arrive?

Yes. Your debit card is active immediately, and you can use bill pay, transfers, and ATM withdrawals right away. You do not need to wait for checks to start using your account.

How much does it cost to order checks from Chase?

Standard checks cost between $10 and $20 per box of 100, depending on the design. Premium accounts may include one free order per year. Rush delivery adds $15 to $25 to the order.

Can I use checks from another bank with my Chase account?

No. Checks must be printed with your specific Chase routing number and account number. Using checks from another account will cause the payment to fail or be rejected.

What if I need checks urgently?

Order through the Chase app or website and select rush delivery, which typically arrives in 3 to 5 business days for an extra fee. Alternatively, use a third-party printer like Costco or Checks Unlimited, which may have faster turnaround times and lower costs.

Do I have to order checks if I do not want them?

No. Many people never order checks and manage their finances entirely through debit cards, bill pay, and digital transfers. Order checks only if you actually need them.