Can I Buy Checks Directly at the Bank?

Paper checks remain useful for various financial transactions, such as paying rent, making charitable contributions, or handling transactions that prefer a paper trail. When your supply of checks runs low, obtaining new ones often involves ordering them directly through your financial institution.

Preparing to Order Checks

Before ordering checks, gather specific account details. You will need your full name, current address, bank account number, and the bank’s routing number.

These numbers can usually be found on an existing check, typically at the bottom, or by logging into your online banking portal. The routing number is generally the nine-digit number on the far left, while the account number is usually the second set of numbers from the left. Determine a starting check number for your new order to maintain an organized record. Consider the design and quantity of checks you need, as banks offer various styles and package sizes.

Ordering Checks from Your Bank

Once all necessary information is assembled, you can place an order for checks directly through your bank. Many banks offer the option to order new checks directly through their online banking platform. Alternatively, you can contact your bank via phone. Another common method is visiting a local branch in person.

Payment for the checks is usually handled by deducting the cost directly from your checking account or by using a debit or credit card. The cost can vary depending on the style and quantity ordered, often ranging from approximately $20 to $40 for a standard box of checks. After placing the order, checks are typically delivered by mail within one to two weeks, though some orders might take up to a month. While standard shipping is often included, expedited delivery options may be available for an additional fee if you need the checks sooner.

Immediate Check Needs

When waiting for a standard check order is not feasible, banks often provide temporary checks, commonly referred to as counter checks or starter checks. These checks can typically be obtained directly from a branch teller after presenting a valid identification and your account details. They are printed on demand and include your account and routing numbers.

Counter checks are suitable for urgent payments or when you have just opened a new account. While they function similarly to regular checks, they may lack personalized features like your name and address, which you might need to fill in manually. Some merchants or organizations may have limitations on accepting counter checks. Banks may charge a small fee for these immediate checks, often ranging from $1 to $5 per check or per sheet of three checks.

Other Options for Acquiring Checks

Beyond ordering directly from your bank, alternative avenues exist for obtaining checks. Independent third-party check printers and online vendors specialize in producing checks and often provide a wider array of designs and different pricing structures. These companies require you to provide your personal and bank account information, including your routing and account numbers.

When using these services, you select your desired check design, quantity, and input the necessary banking details. Another option involves printing checks at home using specialized check printing software and blank check stock paper. This method allows for on-demand printing and customization, provided you have the correct software and printer capabilities to ensure the checks meet banking standards.