Yes, you can order checks from your bank, and most banks offer this as a standard service

When you open a checking account, the bank does not automatically send you checks. You have to order them separately, either through your bank's website, by phone, or in person at a branch. Most banks charge a fee for checks — typically $15 to $30 per box of 50 checks, though some banks waive the fee for certain account types or if you maintain a minimum balance.

The time it takes to receive checks varies. If you order through your bank's website or app, delivery usually takes 7 to 14 business days. Some banks offer expedited shipping for an extra fee, which can cut that down to 3 to 5 business days. If you need checks immediately, you can ask your bank for temporary starter checks, which are usually available right away at the branch or printed on the spot.

Key Takeaways

  • You must order checks separately after opening a checking account — they do not come automatically.
  • Most banks charge $15 to $30 per box of 50 checks, though some waive the fee for premium accounts or high balances.
  • Standard delivery takes 7 to 14 business days, but expedited options can arrive in 3 to 5 business days for an additional cost.
  • Starter checks are available immediately at your branch if you need to write checks before your regular order arrives.
  • You can order checks through your bank's website, mobile app, by phone, or in person at a branch.

How to order checks through your bank

Log into your bank's website or mobile app and look for a section labeled "Order Checks," "Checks," or "Account Services." Most banks place this in the account management or settings area. Click through and select the checking account you want checks for, then choose the style and quantity. You will see the total cost, including any shipping fees, before you confirm the order.

If you prefer to order by phone, call the customer service number on the back of your debit card or on your bank's website. Have your account number and routing number ready. The representative will walk you through style options and confirm your mailing address. If you order by phone, the bank will mail the checks to the address on file for your account.

Ordering in person at a branch is also an option. Bring your ID and debit card, and a teller can help you select check styles and place the order. Some branches can print a limited number of starter checks on the spot if you need them right away.

What information appears on your checks

Your checks will print with your name, address, phone number, and account number. The bank's routing number and your account number appear at the bottom of each check in magnetic ink. You can usually choose the color and design of the checks — most banks offer basic blue or black, but some allow you to upload a photo or select from preset designs.

Double-check the spelling of your name and the accuracy of your address before you confirm the order. Mistakes on printed checks are expensive to fix because you will have to order a new box. If you notice an error after you have already placed the order, contact your bank immediately — some banks can cancel and reprint before the checks ship.

Costs and fees for ordering checks

Standard check fees range from $15 to $30 per box of 50 checks at most major banks. Some banks charge less — around $10 per box — while others charge more, especially for specialty designs or premium accounts. A few banks waive check fees entirely if you maintain a minimum balance, have direct deposit set up, or hold a premium checking account.

Expedited shipping typically costs $5 to $15 extra and cuts delivery time to 3 to 5 business days. Some banks offer free standard shipping but charge for expedited. A small number of banks include free checks as part of their account benefits, so it is worth checking your account terms or asking a representative whether your account qualifies for free check orders.

Starter checks and temporary options

If you need to write checks before your regular order arrives, ask your bank for starter checks. These are temporary checks printed with your account information and are usually available immediately at your branch. Starter checks look different from regular checks — they often have a different color or say "Starter Check" on them — but they work the same way and are treated like any other check.

Some banks print a small number of starter checks for free when you open an account. Others charge a small fee, usually $5 to $10 for a pad of 25 checks. If your bank does not offer starter checks, you can also write checks using your account number and routing number written by hand, though this is slower and more error-prone.

Third-party check printing services

You are not required to order checks from your bank. Third-party check printing companies like Costco, Walmart, and online services like Deluxe and Checks Unlimited often charge less than banks — sometimes as low as $5 to $10 per box. These companies print checks that work exactly like bank-printed checks and deposit into your account the same way.

The main trade-off is delivery time. Third-party printers usually take 10 to 14 business days for standard delivery, which is similar to banks, but you may have fewer design options or need to provide your routing and account numbers yourself. Make sure you order from a reputable printer and that the checks meet your bank's standards — most banks accept checks from any printer as long as the account and routing numbers are correct.

What to do if your checks do not arrive

If your checks do not arrive within the expected timeframe, contact your bank first. Have your order confirmation number ready if you ordered online. The bank can check the status of your order and tell you whether the checks are still in transit, delayed, or lost. If they are lost, the bank can reprint and resend them at no extra charge.

If you ordered through a third-party printer, contact that company directly using the tracking information from your order. Most printers offer a tracking number so you can see where your checks are in the delivery process. If checks are lost in the mail, the printer will usually reprint them for free.

Frequently Asked Questions

Can I write checks before my checks arrive?

Yes. Ask your bank for starter checks, which are available immediately at your branch. If your bank does not offer them, you can write checks using your account number and routing number by hand, though this is slower and less secure. Your bank can also provide your routing and account numbers so you can give them to someone who needs to send you a check.

Do I have to order checks from my bank?

No. You can order from third-party printers like Costco, Walmart, or online services. These often cost less than bank checks and work the same way. Make sure the printer is reputable and that the checks include your correct routing and account numbers.

What if I made a mistake on my check order?

Contact your bank or printer immediately if you notice an error before the checks ship. They may be able to cancel and reprint. If the checks have already shipped, you will need to order a new box with the correct information. Do not use checks with errors on them.

How long do checks take to arrive?

Standard delivery is 7 to 14 business days from most banks. Expedited shipping can reduce this to 3 to 5 business days for an extra fee. Third-party printers usually take 10 to 14 business days. Starter checks are available immediately at your branch.

Can I reorder the same checks?

Yes. If you liked your previous check design and order, you can reorder the same style through your bank or printer. Your account and routing numbers will be the same, so the new checks will work exactly like the old ones.