Can I Get Checks From My Bank? Here’s How

Checks are physical documents that authorize a bank to pay a specific amount of money from one’s account to a designated recipient. They are commonly used for paying rent, making larger purchases, or when electronic payment methods are not available. Banks are the primary source for obtaining personalized checks linked directly to one’s account.

Methods for Obtaining Checks

Customers have several convenient avenues for ordering new checks directly from their financial institution. One method involves using online banking platforms or mobile applications. After logging into a secure account, individuals can navigate to a “customer service” or “account services” tab to find an “order checks” option, then follow the prompts to complete their request.

Another way to order checks is by visiting a physical bank branch in person. Speaking with a teller or customer service representative at the branch allows for direct assistance. Customers can also place a check order over the phone by contacting their bank’s customer service line. A representative will guide them through the necessary steps, confirming account details and order specifications.

Information Required to Order Checks

Customers need to gather specific information before ordering checks. The checking account number is found on an existing check or a recent bank statement. The bank’s routing number, a nine-digit code identifying the financial institution, is also located on existing checks, usually at the bottom left.

Personal details are important, including the account holder’s full name and current address, exactly as recorded with the bank. When reordering, customers can specify a starting check number. Customers also consider basic design choices, though extensive customization details are addressed later.

Understanding Check Features and Costs

When ordering checks, customers can select from various design and customization options, ranging from standard styles to personalized graphics. While basic designs may be included with certain account types, customized options often incur additional fees. The cost of checks can vary, with banks charging between $25 and more for a box, or around 38 to 65 cents per single check. Some banks or account types may offer free standard checks.

Modern checks incorporate several security features designed to deter fraud and alteration. These include watermarks, faint designs visible when held to light, and microprinting, tiny text readable under magnification. Other security measures include chemical-sensitive paper that reacts to alteration attempts and void pantographs that reveal “VOID” when photocopied. Expedited shipping options are available for quicker delivery, though these come with an extra charge.

Receiving Your Checks and Next Steps

Once a check order is placed, customers can anticipate their checks to arrive via mail. The delivery timeline for standard shipping ranges from 7 to 10 business days, though some services deliver within 4 to 6 business days. Checks are sent to the mailing address on file with the bank to ensure secure delivery.

Upon receipt of the new checks, it is important to verify all printed details. Confirm that your name, address, account number, and the bank’s routing number are accurate and match your records before using the checks. If immediate checks are needed before the ordered supply arrives, many banks can provide temporary checks directly from a branch.