Most checking accounts do not automatically include a checkbook — you have to order one separately, usually for a fee
When you open a checking account, the bank gives you a debit card and online access. A physical checkbook is not part of the standard package at most banks. You can order checks through your bank, but you will pay for them — typically $15 to $30 per box of 100 checks, depending on the bank and the style you choose. Some banks offer the first order free or at a discount to new customers, so ask when you open the account.
A few banks and credit unions still include a starter checkbook with a new account, but this is becoming less common. If checks matter to you, ask the bank directly before you sign up whether they include checks or offer them free for new members. The answer varies by institution and sometimes by account type.
Key Takeaways
- Checkbooks are not included with most checking accounts and must be ordered separately from your bank for a fee.
- A standard box of checks costs $15 to $30, though some banks waive the fee for new customers or offer a discount on the first order.
- You can order checks online through your bank's website, by phone, or in person at a branch.
- Third-party check printers often charge less than banks, but you must provide your account and routing numbers yourself.
- If you rarely write checks, you may not need to order a checkbook at all — most payments can be made by debit card, transfer, or bill pay.
How to order checks from your bank
Log into your online banking account and look for a "order checks" or "check services" link, usually in the account settings or services menu. You will select the style and quantity, enter your delivery address, and pay the fee. The process takes a few minutes and checks usually arrive within 7 to 10 business days.
If you prefer not to order online, call your bank's customer service line or visit a branch in person. A teller can place the order for you on the spot. Some banks let you order checks by mail by filling out a form and mailing it with a check or payment authorization.
Ordering checks from a third-party printer
Companies like Costco Checks, Deluxe, and Vistaprint print checks for less than most banks charge — often $10 to $20 per box instead of $25 to $30. You provide your account number, routing number, and bank name, and they print and mail the checks to you.
The trade-off is that you are responsible for entering your account details correctly. If you make a mistake, the checks will not work. Third-party checks take the same amount of time to arrive as bank-ordered checks, usually 7 to 10 business days. Make sure the printer you choose is reputable and uses security features to prevent fraud.
When you might not need checks at all
Most everyday payments no longer require a physical check. You can pay bills online through your bank's bill pay service, transfer money to friends and family through apps like Venmo or Zelle, and pay merchants with your debit card or mobile wallet. Rent and insurance can often be paid by automatic transfer or ACH payment.
Checks are still useful for certain situations: paying a contractor or service provider who does not accept cards, sending money by mail to someone without a bank account, or making a large payment where you want a paper record. If you fall into one of these categories only occasionally, you might order a small box of checks once a year rather than keeping a full supply on hand.
What information appears on your checks
Your checks will print with your name and address, your account number, your bank's routing number, and a check number. The routing number identifies your bank; the account number identifies your specific account. Both are necessary for the check to work. You can find these numbers on the bottom left of any check, or by logging into your online banking account.
When you order checks, the bank or printer uses the information already on file with your account. You do not need to provide anything extra unless you want to add a logo, change your address, or request a different style. Make sure your address is current before you order, because that is what will print on the checks.
Starter checks and temporary solutions
If you need to write a check before your ordered checks arrive, ask your bank for starter checks. These are plain, temporary checks that the bank can print for you immediately, usually at no charge or for a small fee. They have your account and routing numbers but may not have your name printed on them. Starter checks work just like regular checks and are accepted by most payees.
Some banks also offer mobile check deposit, which lets you photograph a check and deposit it through your phone. This does not help you write checks, but it means you do not need to visit a branch or ATM to deposit a check someone sends you.
Frequently Asked Questions
Can I write checks before my ordered checks arrive?
Yes. Ask your bank for starter checks, which are temporary checks they can print for you right away, usually free or for a small fee. Starter checks have your account and routing numbers but may not have your name printed on them. They work the same as regular checks.
What if I order checks and then close the account?
Do not use checks from a closed account — they will be rejected. If you have unused checks after closing an account, destroy them. If you ordered checks and then decided to close the account before they arrived, contact the bank or printer to cancel the order if possible.
Do I need to order checks if I have a debit card?
No. A debit card covers most payments. Order checks only if you regularly write checks to contractors, landlords, or others who do not accept cards. If you write checks rarely, a small box once a year is usually enough.
Why do banks charge for checks when they used to be free?
As check usage has declined, banks stopped including them as a standard service. Checks now cost money to print and process, so banks pass that cost to customers who request them. It is a way to discourage check use and encourage digital payments.
Can I use checks from a different bank?
No. Checks are tied to your specific account at your specific bank. You must order checks from your bank or a third-party printer using your account and routing numbers. Checks from another bank will not work with your account.