You don't have to write checks to have or use a checking account

A checking account gives you access to multiple ways to move money — checks are one option, but they're not required. You can pay bills and send money using debit cards, online transfers, automatic payments, mobile apps, and wire transfers. Many people with checking accounts never write a single check.

The confusion comes from the name and history: checking accounts were built around check-writing, so banks still include checkbooks with new accounts. But the account itself works fine without them. If you want checks, you can order them. If you don't, you can ignore that feature entirely.

Key Takeaways

  • Checks are optional — you can use a checking account through debit cards, bill pay, transfers, and apps without ever writing one.
  • Banks still offer checkbooks because some people need them for rent, contractors, or other situations where checks are the expected payment method.
  • If you do need checks later, you can order them from your bank or a third-party printer at any time.
  • Some situations still require checks: landlords often prefer them for rent, and certain vendors or government offices may only take checks.

When checks are still the practical choice

Even though alternatives exist, checks remain the standard for a few common situations. Landlords often expect rent paid by check because it creates a clear paper trail and they can hold it until the lease ends. Contractors and small businesses sometimes prefer checks because they avoid credit card fees. Some government offices, utilities, and insurance companies still accept only checks for certain transactions.

If you're in one of these situations, you need checks — not because the account requires them, but because the person or organization you're paying expects them. Before you assume you need checks, ask: "Can I pay this with a transfer, debit card, or online bill pay instead?" Often the answer is yes, and you'll save time.

How to order checks if you need them later

If you open a checking account without ordering checks and later decide you need them, ordering is straightforward. Log into your online banking portal or mobile app and look for a "order checks" or "check services" option — most banks let you order directly from the account dashboard. You can also call your bank's customer service line and request checks over the phone.

Checks typically arrive in 7 to 14 business days when ordered through your bank. If you need them faster, third-party printers like Costco, Sam's Club, or online vendors like Deluxe or Checks Unlimited often print and ship within 3 to 5 business days, sometimes at a lower cost than the bank charges. Make sure you have your routing number and account number before ordering from an outside printer.

The cost of checks and when it matters

Banks charge different amounts for checks depending on the account type and the bank. Some accounts include a box of checks free; others charge $10 to $30 per box. Premium or business accounts sometimes offer unlimited free checks. If you write checks regularly, the cost adds up — a box of 100 checks might cost $15 to $25 through your bank.

Third-party printers are often cheaper: a box of 100 checks can cost $5 to $10 online. If you only need checks occasionally, the lower cost of third-party printing makes sense. If you write checks frequently and your bank charges per box, switching to a bank that includes free checks or using a third-party printer can save money over time.

Digital alternatives that replace check-writing

Bill pay through your bank's website or app lets you schedule payments to almost any company or person. You enter the payee's name and address, the amount, and the date, and the bank sends a check or electronic payment on your behalf. This works for utilities, credit cards, insurance, and rent — though some landlords want you to mail the check yourself rather than have the bank do it.

Debit cards work anywhere that takes credit cards, and many smaller vendors now accept them too. Mobile payment apps like Venmo, PayPal, Cash App, and Zelle let you send money to friends, family, and some businesses instantly. ACH transfers (automated clearing house) move money between bank accounts and are free through most banks. Wire transfers are faster but usually cost $15 to $30 and are best for large amounts or time-sensitive payments.

What happens if you never use the checks that come with your account

Nothing. Unused checks expire after a certain period — usually 6 months to a year, depending on the bank — but expiration doesn't affect your account. You can keep them, throw them away, or shred them for security. The bank won't charge you for not using them, and your account remains fully active and functional.

If you're concerned about security, shred unused checks before discarding them. A check with your name, account number, and routing number is enough for someone to attempt fraud. If you lose checks or suspect they've been stolen, contact your bank immediately to report it and request a stop payment on any checks you're concerned about.

Frequently Asked Questions

Can I close a checking account if I don't want to write checks?

Yes. You can close a checking account at any time by contacting your bank. You don't need a reason, and you don't have to use checks to keep the account open. If you want to close it, bring your debit card and ID to a branch, call the bank, or submit a request through online banking.

Do I need checks to get a checking account in the first place?

No. You can open a checking account without ordering checks. Many banks offer accounts with no checkbook included, and you can add checks later if needed. Some online banks don't offer checks at all, which is fine if you plan to use digital payment methods exclusively.

What if my landlord won't accept anything but a check?

Order checks from your bank or a third-party printer. If you need them urgently, call your bank and ask if they can expedite an order or if they have checks available at the branch. In the meantime, ask your landlord if they'll accept a money order, cashier's check, or bank transfer as a temporary solution while your checks arrive.

Are checks safer than debit cards or transfers?

Checks and digital payments have different security risks. Checks can be lost, stolen, or forged. Debit cards and transfers can be fraudulent if your account is compromised. The safest approach is to monitor your account regularly, use strong passwords, and report any suspicious activity to your bank immediately, regardless of payment method.

Can I use a checking account for direct deposit if I don't have checks?

Yes. Direct deposit doesn't require checks — it's an electronic transfer from your employer or government agency to your bank account. You just need your routing number and account number, which you can find on your debit card, bank statements, or by logging into online banking.