Yes, you can write checks from most online checking accounts, but the method depends on the bank
Most online banks let you write checks, but they do not give you a physical checkbook the way a traditional bank does. Instead, you order checks through the bank's website or a third-party printer, and they arrive by mail in a few days to a few weeks. Some online banks charge for checks; others include them free. A few online banks do not offer checks at all, so you need to know your bank's policy before you need to write one.
The catch is timing. If you need to write a check today and your bank has not sent you any, you cannot do it instantly. You have to plan ahead or use an alternative method like a wire transfer or bill pay through the bank's website.
Key Takeaways
- Most online banks let you order checks online, but they arrive by mail and take three to ten business days to reach you.
- Some online banks include free checks with your account; others charge per box, usually between $10 and $25.
- If you need to send money urgently and do not have checks on hand, use your bank's bill pay feature or a wire transfer instead.
- A small number of online banks do not offer checks at all, so confirm your bank's policy when you open the account.
- You can write checks from an online account the same way you would from any other bank — the checks work at any business that takes them.
How to order checks from your online bank
Log into your online banking portal and look for a "Checks" or "Order Checks" link, usually under Account Services or Settings. Click it and select the style and quantity you want. Most banks offer basic designs at no cost and fancier designs for a small fee. Enter your delivery address and confirm your order.
The bank then sends your order to a printer, which manufactures and mails the checks to you. This process takes three to ten business days depending on the bank and the printer they use. Some banks offer expedited shipping for an extra fee if you need checks faster.
Once the checks arrive, they work exactly like checks from any other bank. You write them, sign them, and give them to whoever you are paying. The recipient deposits or cashes them at their own bank.
Online banks that charge for checks versus those that do not
Whether you pay for checks depends on your bank and sometimes on your account type. Some online banks, like Ally and Charles Schwab, include checks free with most checking accounts. Others, like Discover Bank, charge between $10 and $25 per box of 25 or 50 checks.
A few banks offer free checks only if you maintain a minimum balance or have direct deposit set up. Read your bank's fee schedule or call customer service to find out what applies to your account. If checks are expensive and you do not write many, it may be worth using bill pay or a wire transfer instead.
Online banks that do not offer checks at all
A small number of online banks, including some savings-focused accounts and money market accounts, do not let you order checks. These accounts are designed for saving rather than spending, so the bank does not provide check-writing as a feature.
If your account does not support checks and you need to send money by check, you have two options: open a second checking account at a bank that does offer checks, or use bill pay or a wire transfer through your current bank. Bill pay is often free and works for most regular bills. Wire transfers cost money but move funds faster if you need to send a large amount urgently.
Using bill pay instead of writing checks
If you do not have checks on hand and do not want to wait for them to arrive, use your bank's bill pay feature. Log into your account, select "Pay Bills" or "Send Money," enter the payee's name and address, and the amount you want to send. The bank mails a check on your behalf or transfers the money electronically, depending on the payee.
Bill pay is usually free and takes three to five business days. Some banks let you schedule payments in advance, so you can set up recurring bills without thinking about them. This method works for utilities, credit card payments, rent, and most other regular expenses.
Wire transfers when you need money to move fast
A wire transfer sends money directly from your bank account to another bank account, usually within one business day. It costs money — typically $15 to $30 per transfer — but it is much faster than mailing a check and works for large amounts.
To send a wire, you need the recipient's bank name, account number, and routing number. Call your bank or log into your account to initiate the transfer. Wire transfers are final once sent, so make sure you have the correct information before you confirm.
What to do if you need to write a check today
If you do not have checks and need to send money right now, you have a few options. First, check whether your bank offers bill pay — you can often send a payment the same day or next business day through that feature. Second, ask the person or business you are paying whether they accept a wire transfer or electronic payment instead. Third, if you have a friend or family member with checks, you can ask them to write a check on your behalf and you reimburse them.
If none of those work and you absolutely need a physical check, some banks can print and mail a check within 24 hours for an expedited fee. Call your bank's customer service line to ask whether this option is available and what it costs.
Frequently Asked Questions
Do checks from an online bank work the same as checks from a regular bank?
Yes. A check is a check — it does not matter whether it comes from an online bank or a brick-and-mortar bank. The recipient can deposit or cash it at any bank. The routing number and account number on your checks are tied to your online bank's processing system, so the money moves through the same clearing process as any other check.
How long does it take to receive checks after I order them?
Most online banks deliver checks in three to ten business days. Some offer standard shipping at no extra cost and expedited shipping for a fee. A few banks can print and mail checks within 24 hours if you pay for rush delivery. Check your bank's website or call customer service to see what options are available for your account.
Can I order checks from a third-party printer instead of my bank?
Yes, but you need your routing number and account number from your online bank. Many third-party printers like Deluxe and Costco Checks offer custom designs and sometimes lower prices than the bank charges. Make sure the printer you choose is reputable and that you enter your bank information correctly, or the checks will not work.
What if I write a check but do not have enough money in my account?
The check will bounce, and you will face overdraft fees from your bank and possibly a fee from the recipient's bank. The recipient may also refuse to accept checks from you in the future. If you think a check might bounce, contact the recipient and ask whether you can send the money another way instead.
Can I stop payment on a check I already wrote?
Yes, you can place a stop payment order through your bank's website or by calling customer service. The bank will charge a fee, usually $25 to $35, and the stop payment is good for six months. You need to provide the check number, amount, and date. If the check has already been deposited and cleared, the stop payment will not work.