Do I Have to Order Checks From My Bank?

It is common for individuals and businesses to utilize checks for various financial transactions. While digital payment methods have become widespread, checks continue to serve as a reliable means for payments such as rent, utility bills, or contributions to organizations. Understanding the options available for obtaining checks can help ensure you always have them when needed for your financial obligations.

Ordering Checks Directly from Your Bank

Ordering directly from your financial institution is a common approach. Most banks offer several convenient methods for placing an order, including through their secure online banking portal, by calling customer service, or by visiting a local branch. During the ordering process, the bank will ask for details such as the account type, desired starting check number, and quantity. Banks provide standard check designs, which often include security features to prevent fraud. Ordering checks through your bank usually incurs a fee, which may range from approximately $20 to $50 or more for a box, depending on the design and quantity.

Ordering Checks from Non-Bank Providers

Independent, non-bank check providers offer an alternative to ordering directly from your bank. These companies specialize in printing checks and often offer a broader range of design choices, including personalized graphics and unique styles. Many providers operate online, allowing orders through their secure websites. When ordering from these vendors, you will need to provide your banking information, verify your identity, and select your preferred check design and quantity.

A benefit of using non-bank providers can be cost savings, with prices sometimes being lower than those charged by banks for similar quantities, potentially ranging from $10 to $40 for a box. Confirm the legitimacy and security practices of any third-party vendor before sharing sensitive banking details.

Essential Information for Any Check Order

Regardless of whether you order checks from your bank or a non-bank provider, certain information is universally required to ensure your checks are correctly printed and linked to your account.

Your bank account number, a unique identifier for your account, is typically located at the bottom of an existing check, usually as the second set of numbers. The bank routing number, a nine-digit code identifying your financial institution, is generally found on the far left at the bottom of an existing check or within your online banking details. You will also need to provide your full legal name and current address exactly as registered with your bank. Additionally, specify a desired starting check number, which helps maintain an organized record of your transactions. Finally, confirming the account type (checking or savings) ensures the checks are correctly configured for your intended use.