How to Get a Blank Check From Your Bank & Online

A “blank check” typically refers to a document used to provide bank account details for various purposes, rather than for writing a monetary payment. Individuals often seek these for setting up direct deposit of paychecks, establishing automatic bill payments, or providing bank information to institutions. The primary goal is to share the routing and account numbers, which identify a specific financial institution and individual account.

Using a Check from Your Supply

The most straightforward method for obtaining a blank check is to use an unused check from your personal checkbook. This physical check contains all the necessary banking information pre-printed on it, including your routing number, account number, and the check number.

When providing a check for informational purposes, such as for direct deposit, it is crucial to “void” it. To do this, use a dark blue or black pen to write “VOID” in large, clear letters across the entire front of the check. Ensure this writing does not obscure the routing and account numbers located at the bottom, as these are the details the recipient needs. Do not sign the check, as this would make it a negotiable instrument that could be fraudulently used for payment. After voiding, record the check number in your checkbook register and make a copy for your records before submitting the original.

Getting a Temporary Check from Your Bank

If you do not have personal checks readily available, you can often obtain temporary checks directly from your bank. These are sometimes called “counter checks” or “starter checks” and are printed on-site. To request these, you typically need to visit a local branch of your financial institution and present a valid form of identification, along with your account number.

Banks may provide a small number of these temporary checks and might charge a small fee for this service. These checks provide immediate access to your routing and account numbers, allowing you to fulfill requirements for direct deposit or automatic payments without waiting for a full checkbook order.

Ordering New Checks

For a sustained supply, ordering a new set of checks is the common practice. This can typically be done through several channels: directly from your bank via their online banking portal, mobile app, over the phone, or in person at a branch. Many financial institutions partner with third-party check printing services, which may also be an option for ordering.

When placing an order, you will need to provide your account number, the bank’s routing number, and personal details such as your name and address. Delivery times for new checks generally range from 7 to 14 business days. The cost for a box of checks can vary widely based on design and security features.

Accessing Account Information Without a Check

In many contemporary situations, a physical blank check is not strictly necessary; only the routing and account numbers are required. This information is readily available through various digital and paper-based methods. Your bank statements, whether paper or electronic, consistently display both your routing and account numbers.

Online banking portals and mobile applications provide a convenient way to access these details instantly. After logging into your account, you can typically navigate to an “account details” or “account information” section where these numbers are listed. Alternatively, contacting your bank’s customer service by phone can also provide you with the necessary routing and account numbers. For many electronic transactions, such as setting up direct deposit or recurring payments, providing these numbers digitally is a common and efficient approach.