Discover does not print checks, but you can order them through a third-party vendor

Discover Bank does not issue checks directly or maintain a checking account product. If you have a Discover savings account or money market account, you cannot order checks tied to that account. However, if you need to write checks and use Discover, you have two main routes: open a checking account at another bank that offers check printing, or use a third-party check printing service that can draw from your Discover account through an ACH transfer.

The most straightforward path is to open a checking account elsewhere. Many banks and credit unions offer free checking with included checks, and you can link it to your Discover savings account for easy transfers between them. The alternative—using a standalone check printing service—works but requires more steps each time you need to write a check, since the service must pull money from your Discover account to cover the check amount.

Key Takeaways

  • Discover Bank does not offer checking accounts or print checks under its own brand.
  • Opening a checking account at another bank is the simplest way to get checks while keeping your Discover savings account.
  • Third-party check printing services exist but require you to authorize an ACH transfer from Discover each time you use them.
  • Many banks offer free checking with included checks, so you do not need to pay for check printing separately.

Opening a checking account at another bank

The easiest solution is to open a checking account at a bank or credit union that prints checks as part of the account. You keep your Discover savings account for its interest rate and transfer money to your checking account when you need to write checks. Most online banks and traditional banks offer free checking with no monthly fee, and many include a starter set of checks at no cost.

When you open the account, ask whether checks are included or if there is a separate fee to order them. Some banks charge $10 to $20 per box of 50 checks; others include them free. You can also link your Discover account to the new checking account so transfers between them happen instantly or within one business day, depending on the bank.

This approach gives you the benefit of a dedicated checking account (which some landlords, employers, or vendors prefer over savings accounts) while keeping your Discover relationship intact for savings.

Using a third-party check printing service

If you want to avoid opening another account, some check printing services allow you to order checks that draw directly from your Discover account. Services like Costco checks, Walmart checks, or standalone check printers like Deluxe or Current offer this option. You order the checks online, provide your Discover account details, and when you write a check, the service initiates an ACH transfer from Discover to cover it.

This method works but is slower than a traditional checking account. The ACH transfer typically takes one to three business days to clear, so the recipient does not receive the funds immediately. It also requires you to trust the third-party service with your Discover account information, and you lose the convenience of a dedicated checking account for other banking needs.

What to know about check printing costs

If you open a checking account elsewhere, check printing costs vary. Many banks include the first box of checks free, then charge $10 to $25 per box for reorders. Some credit unions offer free checks for life as part of membership. Online banks sometimes charge more per box because they do not have branch locations to distribute them.

Third-party check printing services typically charge $5 to $15 per box of 50 checks, but you also pay the ACH transfer fee if Discover charges one (most do not, but confirm before you start). Over time, opening a free checking account with included checks usually costs less than repeatedly ordering from a third-party printer.

How to link Discover to another bank account

Once you open a checking account elsewhere, you can link it to your Discover account for transfers. Log into your Discover account online or through the mobile app, go to the Transfers section, and select "Link an external account." You will need your new bank's routing number and your checking account number. Discover will verify the account by depositing two small amounts (usually under $1 each) into the new account, which you then confirm in your new bank's app or website.

After verification, you can transfer money from Discover to your checking account. Most transfers complete within one business day, though some banks process them faster. You can also set up automatic recurring transfers if you want a fixed amount to move to checking on a set schedule.

Alternatives if you rarely need to write checks

If you write checks only occasionally, you might not need a full checking account. Many bill payment services let you pay by check through their platform—you authorize the payment online, and they print and mail a check on your behalf. Your utility company, insurance provider, or loan servicer may offer this directly through their website.

You can also ask the recipient whether they accept other payment methods: ACH transfer, credit card, debit card, or digital payment apps like Venmo or PayPal. Many businesses now prefer electronic payments because they are faster and reduce fraud risk. If checks are truly rare in your life, this may be the most practical route.

Frequently Asked Questions

Can I order checks directly from Discover?

No. Discover does not offer checking accounts or check printing services. You must either open a checking account at another bank or use a third-party check printing service that can draw from your Discover account via ACH transfer.

Will opening another bank account affect my Discover account?

No. Opening a checking account at a different bank does not change your Discover savings account, interest rate, or balance. The two accounts are completely separate, and you can transfer money between them as needed.

How long does it take to get checks after I order them?

Standard check printing takes 7 to 14 business days from the time you order. Expedited printing is available from most banks and third-party printers for an extra fee, usually $15 to $30, and delivers checks in 3 to 5 business days. Digital checks or mobile check deposit may be faster if your bank offers them.

What if I need checks urgently?

Some banks offer temporary checks or counter checks at a branch while you wait for printed ones to arrive. If you do not have a local branch, ask your bank whether they can email a temporary check image you can print yourself, or whether they offer expedited shipping for an additional fee.

Can I use my Discover debit card instead of checks?

Yes, for most payments. Discover debit cards work anywhere Discover is accepted, which covers most retailers and many service providers. However, some landlords, utilities, or government agencies still require checks or ACH payments, so having access to checks is useful even if you do not use them often.