Can I Get Checks Directly From My Bank?

Checks remain a common payment method for many individuals. Bank account holders often inquire about obtaining checks directly from their financial institution. Banks are a primary and reliable source for acquiring various types of checks. Understanding the available options and procedures can simplify managing your payments effectively.

Common Types of Checks Available

Banks offer several types of checks, each designed for distinct financial transactions. Personal checks are widely used for everyday expenses, such as paying bills or making routine purchases. These checks are typically ordered in books and drawn directly from your checking account, including your account and routing numbers printed on them.

For larger, more secure payments, cashier’s checks are available. These checks are drawn on the bank’s own funds, making them a guaranteed form of payment, often required for significant transactions like real estate purchases or vehicle down payments. Banks usually charge a fee for cashier’s checks, commonly ranging from $10 to $15. Money orders provide another secure payment option, generally used for smaller amounts, often up to $1,000. These are prepaid and do not draw directly from your account, typically incurring a fee between $1 and $5.

For immediate, limited use or while waiting for a full order of personalized checks, temporary checks, also known as counter checks, can be obtained. These checks are typically blank but include your account and routing information. They are provided at a bank branch for urgent needs before a custom checkbook arrives.

Preparing to Get Checks from Your Bank

Before obtaining checks, gathering necessary information and documents can streamline the process. Your bank account details are essential, including your checking or savings account number and the bank’s routing number. This information can be found on existing checks, within your online banking portal, or on recent bank statements.

Valid government-issued photo identification, such as a driver’s license or passport, is consistently required, particularly when requesting checks in person. Some types of checks, like cashier’s checks or money orders, and even orders for personal checkbooks, may involve associated fees. Confirm these potential costs with your bank and ensure you have sufficient funds or a suitable payment method available. For personal checks, consider the quantity you need and, if reordering, the starting check number for your new set.

Steps to Obtain Checks at Your Bank

Acquiring checks from your bank can be accomplished through several convenient methods. Visiting a bank branch in person allows you to speak directly with a teller or customer service representative. You can provide your account information and identification to obtain temporary checks, cashier’s checks, or money orders immediately.

Many banks offer the convenience of ordering checks online through their website or secure online banking portal. After logging in, navigate to an “Order Checks” or “Account Services” section to input your details and complete the order.

Alternatively, you can order checks by phone by calling your bank’s customer service line. During this call, you will verify your identity and provide the necessary account details to place your order.

For ordered checkbooks, delivery usually occurs via mail to your address, taking approximately 5 to 10 business days, though some orders might take up to two weeks or more. Certain financial institutions may offer expedited shipping for an additional fee. Cashier’s checks and money orders are usually issued on the spot at a branch location.