Where Can I Buy Checks in Person? Local Options

Despite the rise of digital payment methods, obtaining physical checks remains a common need for transactions like rent, utility bills, or services where electronic transfers are not an option. This guide outlines the primary in-person options for acquiring checks.

Your Bank or Credit Union

The most direct and reliable method for obtaining checks in person is visiting your bank or credit union. At a local branch, you can speak with a teller or customer service representative who can facilitate the order. You will need to provide a government-issued identification and your account number.

Many financial institutions offer “counter checks” or “temporary checks” on the spot, useful if you need checks immediately. These come in small quantities and may incur a small fee, ranging from $1 to $5 per sheet. While convenient for urgent needs, these temporary checks may lack full personalization and could be subject to acceptance limitations by some merchants. For a full checkbook, your bank can place an order, with delivery taking between five to ten business days.

Retailers and Office Supply Stores

While less common for obtaining personalized checks ready for immediate bank use, some large retailers and office supply stores offer related products in person. Stores like Office Depot or Walmart may sell blank check stock designed for printing at home or generic business checks. These options require you to print your own bank-specific information, such as routing and account numbers, using specialized software and printers.

For personalized checks with your bank details pre-printed, most major retailers offering check services, such as Walmart or Costco, direct customers to their online platforms. These online services function as third-party check printers, and while they can be a more economical option compared to some banks, in-store purchase is limited to blank stock. Many retailers no longer accept personal checks for purchases due to increased fraud concerns.

Important Considerations

When purchasing checks in person, several factors warrant attention to ensure a smooth and secure process. Always bring a valid government-issued identification and your checking account number, as these are essential for verification. If you have an existing check, it can be helpful as it contains your bank’s routing number and your account number, which are necessary for accurate check printing.

Be aware of the costs involved; while some banks offer free checks for certain account types, others may charge between $0.38 and $0.74 per check. Third-party providers have lower prices, ranging from $0.05 to $0.24 per check. Delivery for personalized checks takes 5 to 10 business days for standard shipping, though expedited options are available for an additional fee if you need them sooner.