Stash Does Not Offer Personal Checks Through Its Service

Stash does not print or order personal checks for you. The Stash checking account (called the Stash Cash Account) is a digital-first account designed for mobile banking, and Stash does not provide check-writing capability or physical check stock.

If you need to write checks from funds in your Stash account, you have two main paths: use a third-party check printing service and route checks to your Stash account number, or transfer money to a different bank that does offer check-writing and order checks through that bank instead.

Key Takeaways

  • Stash checking accounts do not come with check-writing features or the ability to order checks directly from Stash.
  • You can order checks from third-party printers like Deluxe, Costco, or Vistaprint and use your Stash account number and routing number on those checks.
  • Third-party checks typically cost between $10 and $30 per box depending on the printer and design you choose.
  • If you frequently need to write checks, transferring your money to a traditional bank that offers check accounts may be simpler than managing a separate check printer.
  • Any checks you order must include your correct Stash routing number (which Stash provides in your account settings) or deposits will go to the wrong bank.

How to Order Checks Using Your Stash Account Number

To order checks that draw from your Stash account, you will need two pieces of information: your Stash account number and your Stash routing number. Both are available in the Stash app under account settings or details.

Once you have those numbers, you can order checks from any third-party check printer. Common options include Deluxe, Vistaprint, Costco (if you have a membership), and Walmart. Each printer has its own website where you enter your account and routing numbers, choose a check design, and place your order. Checks typically arrive within 7 to 14 business days, though expedited shipping is sometimes available for an extra fee.

Make sure you enter your Stash routing number correctly—if you use the wrong routing number, checks will not clear properly and money may be sent to the wrong financial institution.

Cost of Third-Party Check Printing

The cost of ordering checks from a third-party printer varies by vendor and the design you select. A standard box of 100 checks typically costs between $10 and $30. Deluxe and Vistaprint are among the most common options, and both offer multiple design choices at different price points.

Costco members often find the lowest prices—a box of 100 checks can cost as little as $10 to $15 through Costco's printing service. Walmart also offers competitive pricing. If you order checks infrequently, the cost is usually modest, but if you write many checks each month, the ongoing expense may make it worth considering a bank that includes checks in its account package.

Finding Your Stash Routing Number and Account Number

Your Stash routing number and account number are both visible in the Stash mobile app. Open the app, go to your account settings or account details section, and look for "Account Information" or a similar heading. Both numbers should be displayed there, and you can usually copy them directly or take a screenshot for reference.

Some third-party check printers also allow you to look up your routing number by entering your bank name (Stash) and state. However, entering the number yourself from the app is the most reliable method to avoid errors.

When to Transfer Money to a Bank That Offers Checks

If you write checks regularly—more than a few times per month—it may be more practical to keep your money in a bank that includes check-writing as a standard feature. Traditional banks and many credit unions offer checking accounts with free or low-cost checks included, and you avoid the hassle of ordering from a third party.

You can transfer money from Stash to another bank account you own using an ACH transfer, which typically takes 1 to 3 business days. If you use Stash primarily for investing or savings but need checking features, this approach lets you keep both accounts and move money as needed.

What Happens If You Write a Check With the Wrong Routing Number

If a check is written with an incorrect routing number, the check will not clear properly. The receiving bank will try to deposit it to the routing number printed on the check, which may belong to a different bank or may not exist. The check will typically be returned to the person who deposited it, marked as "unable to process" or similar.

This can cause delays in payment and may result in late fees if the check was meant to pay a bill. Always verify your Stash routing number before placing a check order, and double-check the number on your first box of checks before you use them.

Frequently Asked Questions

Can I order checks directly from Stash?

No. Stash does not offer check printing or ordering through its service. You must use a third-party check printer and provide your Stash account and routing numbers to that printer.

What is Stash's routing number?

Stash's routing number is available in your Stash app under account settings. It is a nine-digit number that identifies Stash as your bank. Do not confuse it with your account number, which is unique to you.

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

Most third-party printers deliver checks within 7 to 14 business days. Some offer expedited shipping for an additional fee if you need checks faster. Check the printer's website for exact timelines before you order.

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

No. Checks must be printed with your Stash account number and routing number to draw from your Stash account. Checks from another bank will draw from that bank's account instead.

Is there a fee to order checks from Stash?

Stash itself does not charge a fee for checks because it does not offer them. However, third-party printers charge between $10 and $30 per box of 100 checks, depending on the printer and design.