How to Get a Checkbook From Your Bank

A checkbook, despite the rise of digital payments, remains a useful tool for various financial transactions. It provides a tangible record for payments like rent or services, and a voided check is often required for setting up direct deposit or automatic bill payments. Obtaining a checkbook from your bank is a straightforward process.

Preparing to Order Your Checkbook

Before ordering a checkbook, ensure you have an active checking account with your bank. The bank requires specific information to process your request. This typically includes your full bank account number and the bank’s routing number. You can usually locate these numbers on a bank statement, through your online banking portal, or on any existing checks you may have.

In addition to your account details, you will need to provide the exact name(s) and address for printing on the checks. If you are reordering, you may also need to specify a desired starting check number, often the next sequential number after your last used check. Some banks offer various check designs, from standard options to more personalized styles, so considering any design preferences beforehand is also helpful. Having all this information readily accessible streamlines the ordering process.

Placing Your Checkbook Order

After gathering the necessary information, you can place your checkbook order through several common methods. Your bank’s online banking portal or mobile app is a convenient option. After logging in, you typically navigate to a “Customer Service,” “Account Services,” or “Order Checks” section, where you can select your checking account and confirm the printing details.

You can also visit a local bank branch in person. A teller or customer service representative can assist with placing the order, verifying your identity and account information. Many banks offer the option to order checks over the phone by calling their customer service line. Some banks may still provide mail-in order forms for check requests.

Receiving and Using Your New Checkbook

After placing your order, your new checkbook will typically be delivered to the mailing address associated with your bank account. Standard delivery usually takes approximately 7 to 14 business days. Some banks offer expedited shipping options for an additional fee, which could reduce delivery to a few business days.

Upon receiving your checkbook, it is important to verify all the printed information, including your name, address, account number, and the bank’s routing number. While some banks automatically activate new checks, others may require you to activate them through online banking or a phone call. It is advisable to store your checkbook in a secure location to prevent unauthorized access and, if applicable, to safely destroy any old or expired checks.

Associated Costs and Considerations

The cost of ordering a checkbook can vary significantly depending on your bank and the specific style of checks you choose. Some banks offer free basic checks, especially for certain account types or preferred clients. Most standard check designs and larger quantities typically incur a fee. For instance, the price per check can range from around 38 to 74 cents when ordered directly through a bank, with duplicate checks often costing slightly more.

Custom designs or additional security features can further increase the cost. When your current supply of checks runs low, reordering generally follows a similar process to the initial order. It is also beneficial to maintain a record of the checks you write to assist with reconciling your bank statements and tracking your expenditures.