How to Get Checks From Your Bank Account

Bank checks serve as a tangible method for making payments, offering a documented trail for financial transactions. Individuals often use checks for various purposes, such as paying rent, utilities, or other significant expenditures where a physical record or non-electronic payment is preferred. Checks also provide a clear record for personal budgeting and reconciliation.

Ordering Through Your Bank

Ordering new checks directly from your bank is a common and straightforward process, available through several convenient channels. Many financial institutions allow customers to place orders directly through their secure online banking portal or mobile application. When ordering checks online, you will need to confirm your account number, the bank’s routing number, and verify your name and address as they should appear on the checks. You can also select the style, quantity, and specify a starting check number, if desired.

Alternatively, you can visit a local bank branch in person to place a check order. A customer service representative or teller can assist you, often requiring you to present a valid form of identification and your account details for verification. Some banks also offer the convenience of ordering checks over the phone, where you will need to provide specific account information and answer security questions to verify your identity before the order is processed.

Banks typically charge a fee for check printing, which can vary depending on the style and quantity ordered, ranging from approximately $20 to $50 for a standard box of checks. Once ordered, checks are usually delivered to your mailing address within 7 to 14 business days. Expedited shipping options may be available for an additional charge, allowing for quicker delivery if you have an urgent need.

Ordering From Third-Party Vendors

Independent, third-party vendors provide an alternative avenue for ordering bank checks, often presenting a more cost-effective solution compared to ordering directly from your financial institution. These companies specialize in check printing and offer a wide array of designs and customization options not typically available through banks. To place an order, you will need your bank’s routing number and your specific checking account number. These numbers are printed on your existing checks, typically at the bottom, or can be found on your bank statements or through your bank’s online portal.

After entering your banking details, many third-party vendors implement additional verification steps to ensure the legitimacy of the order and protect against fraud. This might involve a small, temporary deposit to your account that you must confirm, or a phone call to verify your identity. Once verified, you can select from various designs, fonts, and security features, often at a lower price point than bank-ordered checks, with a standard box potentially costing between $15 and $30.

Delivery times for checks ordered from third-party vendors generally mirror those from banks, typically taking 7 to 14 business days for standard shipping. Some vendors also offer expedited shipping for an additional fee if you require your checks sooner. While offering greater customization and potential savings, it is important to ensure you are using a reputable and secure vendor to protect your financial information.

Getting Temporary Checks

For immediate payment needs or while awaiting a full order of personalized checks, temporary checks offer a convenient, short-term solution. Most banks can provide these “counter checks” directly from a branch location. You can typically walk into your bank, provide your account number and identification, and request a small quantity of these basic checks. They usually contain your account number, the bank’s routing number, and sometimes your name, but lack personalized design or advanced security features.

These temporary checks are intended for urgent, limited use and may not be accepted by all entities, particularly for very large transactions or by businesses with strict payment policies. They serve as a stopgap until your formal check order arrives, allowing you to make necessary payments without delay.