Can a Bank Print a Check for Me? How It Works and What to Know
Learn how banks issue printed checks, what factors affect eligibility, potential fees, and alternative payment methods to consider.
Sometimes, you may need a check but don’t have a personal checkbook on hand. Whether it’s for rent, a security deposit, or another payment requiring a physical check, banks can often provide one.
This service is useful when electronic payments aren’t accepted or when a certified form of payment is required.
Requesting a Bank-Printed Check
To obtain a check from your bank, you typically need to visit a branch or request one through online banking, depending on the institution’s policies. Some banks allow requests through their website or mobile app, while others require a phone call or in-person visit. Processing times vary—some banks issue checks immediately at a branch, while others mail them, which can take several business days.
When requesting a check, you’ll need to provide the payee’s name and the exact amount. Unlike personal checks, which you fill out yourself, bank-printed checks are pre-filled with this information, reducing the risk of errors. Some banks may also ask for the purpose of the check, particularly for cashier’s or certified checks, which are commonly used for large transactions like home purchases or legal settlements.
Eligibility Based on Your Account
Banks typically offer check-printing services to customers with checking or savings accounts, but availability depends on the account type and its standing. Some banks restrict this service to customers who meet minimum balance requirements or have maintained their accounts for a certain period. If your account is new or has a limited transaction history, additional verification may be required.
If your account has a history of overdrafts, unpaid fees, or a negative balance, the bank may deny your request or require a deposit before issuing a check. Some banks also limit the number of checks they will print within a specific timeframe, particularly for cashier’s checks or money orders.
Possible Fees and Charges
Banks often charge fees for printing checks, which vary based on the type of check requested. Regular bank drafts may have lower fees, while cashier’s or certified checks cost more due to additional processing and guarantees. Cashier’s checks typically range from $8 to $15 at major banks, though some institutions waive fees for premium account holders. Credit unions and smaller banks may charge as little as $5.
Delivery method can also affect costs. Expedited processing or overnight mailing can add fees exceeding $20. Some banks allow in-branch pickup at no extra charge, while others impose a convenience fee for in-person requests.
Canceling or replacing a lost check may incur additional fees. Stop payment requests on bank-printed checks typically cost $20 to $35, and refunds can take several days. Replacing a cashier’s check may require extra documentation, and some banks enforce a waiting period before reissuing funds.
Alternative Payment Options
If a bank-printed check isn’t the best option, other secure payment methods are available. Wire transfers offer a fast way to send money, especially for large transactions. Domestic wire transfers usually cost $15 to $30, while international transfers can exceed $45, depending on the bank and destination. Wire transfers settle quickly, often within the same business day.
For lower-cost transfers, Automated Clearing House (ACH) payments are a common alternative. Many banks process ACH transfers for free or at a minimal charge, with transactions clearing in one to three business days. ACH payments are widely used for payroll deposits, mortgage payments, and utility bills. While they don’t settle as quickly as wire transfers, they provide a secure and trackable way to move funds without the risk of a lost or stolen check.