Chase does not include free checks with most checking accounts — you have to order them separately and pay for them

Chase stopped including complimentary checks with standard checking accounts years ago. If you want checks, you order them through Chase's online banking portal or by phone, and you pay per box. The cost varies by check style and quantity, but a box of 50 standard checks typically runs $15 to $25. Some specialty accounts or premium tiers may include checks, but the vast majority of Chase customers pay out of pocket.

The reason is simple: fewer people use checks now. Chase, like most banks, shifted the cost to customers who actually need them rather than printing checks for everyone by default. If you rarely or never write checks, you will never see this charge. If you do write checks regularly, it becomes an ongoing expense you should budget for.

Key Takeaways

  • Chase checking accounts do not come with free checks; you must order them and pay per box.
  • A standard box of 50 checks costs roughly $15 to $25 depending on design and rush options.
  • Premium or specialty accounts may include checks, so confirm your specific account type before ordering.
  • You can order checks through Chase's website, mobile app, or by calling customer service.
  • Third-party check printers often cost less than ordering directly from Chase.

How to order checks through Chase

Log into your Chase online banking account and look for the "Order Checks" or "Checks & Deposit Items" option, usually found under Account Services or a similar menu. You will select your account, choose a check design (standard, personalized, or decorative), enter the quantity, and pay at checkout. The entire process takes a few minutes.

If you prefer not to use the website, call Chase customer service at the number on the back of your debit card. A representative can walk you through the order over the phone and process payment. Standard delivery takes 7 to 10 business days; expedited options cost more but arrive faster.

What accounts might include free checks

Chase's premium accounts — such as Chase Sapphire Banking or Chase Private Client — sometimes bundle checks into their benefits package. These accounts carry higher minimum balances and monthly fees, so the "free" checks are really part of a broader service tier. If you hold one of these accounts, log in or call to confirm whether checks are included before you pay to order them.

Even if your account includes checks, you still need to order them through the same process. The difference is that Chase will not charge you for the box itself, though rush delivery or specialty designs may still cost extra.

Ordering checks from third-party printers instead

You do not have to order checks from Chase. Many third-party check printers — such as Costco, Sam's Club, Walmart, or online vendors like Deluxe or Vistaprint — print checks for your Chase account at a lower cost. A box of 50 checks from these vendors often costs $5 to $12, less than half what Chase charges.

The checks work exactly the same way. You provide your account number, routing number, and address, and the printer formats them to match your account. Make sure the printer you choose can access your routing number (which is 021000021 for most Chase accounts, though some branches use different numbers — confirm with Chase if you are unsure).

When you might not need checks at all

If you rarely write checks, consider whether you actually need them. Many bills can be paid online through Chase's bill pay feature, which is free. Peer transfers happen through Venmo, Zelle, or your bank's own transfer tools. Rent and large payments can go through ACH transfer or credit card. Checks are now a backup tool for the occasional landlord, contractor, or organization that does not accept digital payment.

If you have not written a check in a year, you probably do not need a new box. If you write one or two a month, a single box will last you a long time. Order only when you actually run low, rather than keeping a standing supply.

What to do if you need checks urgently

If you need checks within a day or two, Chase's expedited shipping option exists but costs significantly more — sometimes $20 to $30 on top of the check price. A faster option is to ask the recipient whether they accept a bank transfer, cashier's check, or money order instead. Many landlords and service providers will take payment through ACH or a cashier's check from any bank, which you can get same-day at a Chase branch for a small fee (usually $5 to $10).

If you absolutely must have personal checks fast, some Walmart locations and office supply stores print checks on the spot, though availability varies by location. Call ahead to confirm before you go.

Frequently Asked Questions

Do I get free checks if I have direct deposit set up?

No. Direct deposit does not trigger free checks with Chase. You still order and pay for them separately, regardless of how your paycheck arrives.

Can I get checks if I have a Chase savings account instead of checking?

Chase does not print checks for savings accounts because savings accounts are not designed for frequent transactions. If you need checks, you need a checking account. You can open one and transfer money between your savings and checking as needed.

What if I order checks and they arrive with errors?

Contact Chase immediately with photos of the error. They will reprint and ship a corrected box at no charge. Keep the defective checks until the replacement arrives, in case you need to reference them during the dispute.

Are checks from third-party printers safe to use?

Yes. Third-party printers use the same security features and routing information as Chase. Your bank processes them identically. The only difference is the vendor and the cost.

Can I order checks through the Chase mobile app?

Yes. The mobile app has an "Order Checks" option in the Account Services menu, and the process is the same as online banking. You can complete the order and pay in minutes.