Yes, you can open and use a checking account without ever ordering checks

Most banks will let you open a checking account and never request a single check. You can deposit money, pay bills, withdraw cash, and transfer funds using a debit card, online transfers, or mobile banking—all without checks. The only time checks matter is if you need to pay someone who doesn't take cards or electronic payments, which is rare now.

When you open an account, the bank will offer to order checks for you. You can decline. If you change your mind later, you can order them then. Some banks charge for checks; others include a small number free with the account. Either way, it's optional.

Key Takeaways

  • You can open a checking account and decline checks at signup without affecting your account or its features.
  • A debit card, online bill pay, and mobile transfers handle nearly all payments people used to make with checks.
  • If you later need checks, you can order them from your bank or a third-party printer at any time.
  • Some banks charge for checks and some don't; ask when you open the account if the cost matters to you.

What you can do without checks

A debit card linked to your checking account works for in-person purchases, online shopping, and cash withdrawals at ATMs. Most retailers, restaurants, and online stores take cards. You can also set up recurring payments—like utilities, insurance, or subscriptions—through your bank's bill pay system or directly with the company.

For one-time payments to individuals or businesses, you can use your bank's online transfer system, a service like Venmo or PayPal, or an ACH transfer if you have the recipient's bank details. Wire transfers work for larger amounts or when speed matters, though they usually cost $15 to $30.

Mobile banking apps let you deposit checks by taking a photo of the front and back, so even if someone sends you a check, you don't need to visit a branch. This feature is standard at most banks now.

When you might still need checks

Checks are rare but not extinct. Some landlords, contractors, or small businesses still prefer or require checks. Certain government agencies or insurance companies may only take checks by mail. If you're paying a large sum to someone you don't know well, a check creates a paper trail.

If you run into a situation where checks are needed, you have options. You can order them from your bank—usually delivered in 7 to 10 business days—or buy them from a third-party printer like Deluxe or Costco, which is often cheaper. Some banks offer a small number of free checks per year; others charge per box.

How to decline checks when opening your account

When you open a checking account online or in person, the bank will ask whether you want checks ordered. Simply say no or skip that step. If you're opening online, look for a checkbox or dropdown that says "Order checks" or "Checks included" and leave it unchecked or select "No."

If the bank automatically includes checks in your welcome package, you can refuse them or throw them away. You won't be charged for checks you don't use. If you're unsure whether your account comes with free checks, ask the banker or check your account documents—they'll list what's included.

Ordering checks later if you change your mind

If you open an account without checks and later decide you need them, ordering is straightforward. Log into your online banking portal, call your bank's customer service, or visit a branch and request a check order. Most banks can print and mail them within a week or two.

You can also buy checks from third-party printers without going through your bank. These printers use your account and routing number (both printed on your debit card or visible in your online banking) to print checks that work exactly like bank-issued ones. Third-party checks are often cheaper—sometimes $10 to $15 per box instead of $20 to $30 from the bank.

Banks that make checks optional

Nearly every bank and credit union will let you open a checking account without checks. This includes national banks like Chase, Bank of America, and Wells Fargo; online banks like Ally, Charles Schwab, and Chime; and local credit unions. The policy is standard across the industry because checks are now optional, not essential.

Some online banks and fintech accounts (like Chime or Revolut) don't offer checks at all, even if you want them later. If checks might matter to you someday, choose a bank that offers them on demand rather than one that doesn't support them.

Frequently Asked Questions

Will my account work differently if I don't order checks?

No. Your checking account functions exactly the same whether you have checks or not. You get the same debit card, online banking, bill pay, and transfer options. Checks are just one payment method among many.

Do I have to pay for checks if the bank offers them free?

No. If your bank includes free checks with the account, you can decline them or ignore them. You won't be charged for checks you don't use or request. If you want them later, you can order them then.

What if someone sends me a check and I don't have checks myself?

You can deposit it using mobile check deposit—take a photo of the front and back through your bank's app and the funds appear in your account within one to two business days. You don't need to visit a branch or have checks of your own.

Are third-party checks as good as bank checks?

Yes. Third-party printers produce checks that work identically to bank-issued checks. They use your real account and routing number, so recipients and banks treat them the same way. They're often cheaper and faster to order.

Can I get a checking account with no debit card either?

Most banks require a debit card or at least offer one by default. If you want to avoid cards entirely, ask your bank whether you can open an account with online transfers and bill pay only. Some banks will accommodate this, though it's uncommon.