Where to Buy Checks in Person: Banks and Retailers

Physical checks remain a necessary tool for various transactions, such as paying rent or making larger purchases. Acquiring checks in person can be a quick solution when immediate access is needed. Understanding the available options and necessary preparations can streamline this process.

Obtaining Checks from Your Bank or Credit Union

Your bank or credit union generally offers the most straightforward way to obtain checks. Visiting a local branch allows direct assistance from a teller or customer service representative. This method is often the quickest for immediate, temporary check needs.

Many financial institutions can provide “counter checks” or “starter checks” on the spot. These temporary checks are typically blank, allowing you to fill in details like the date, payee, and amount, and are useful for immediate, limited transactions. While some banks may offer these for free, others might charge a small fee, often ranging from $1 to $5 per check or sheet of three. It is advisable to contact your specific branch beforehand to confirm availability and any associated costs.

For a full box of personalized checks, your bank can place an order. This process involves selecting a design and quantity, with costs varying based on the bank and your account type. Some banks may provide the first set of checks for free, or offer free checks to customers with premium accounts. The turnaround time for ordered checks typically ranges from several business days to about two weeks, as they are often printed by third-party vendors and then shipped.

Exploring Other In-Person Retail Options

Certain retail establishments also offer check services, though immediate printing is less common. Check cashing services or financial service centers sometimes provide expedited check printing or ordering. These services can assist individuals needing checks quickly or specific types like money orders.

Large retail chains, such as Walmart, offer check printing services, primarily for ordering personalized checks rather than instant in-store printing. Orders can be placed online or via in-store services, with checks then shipped. These options can be more cost-effective than banks (e.g., 5-24 cents per check vs. 38-65 cents). Always verify the vendor’s security features and reputation.

Call non-bank establishments beforehand to confirm services, requirements, and fees. These alternative options may have different pricing structures. Money orders, a secure alternative for smaller amounts, are widely available at post offices and many retail stores.

Information Needed for In-Person Check Purchases

To ensure a smooth transaction, gather specific information and documents beforehand. A valid government-issued photo identification, such as a driver’s license or passport, is required to verify your identity.

You will need your bank account number and the routing number. The routing number, a nine-digit code, identifies your financial institution, while your account number identifies your specific account. These numbers are typically found on an existing check (routing number first on the lower left, followed by the account number) or on your bank statements. If you do not have a physical check or statement, you can find these details by logging into your online banking portal or mobile app.

Proof of address may also be necessary, particularly if your current address differs from what is on your identification or if the institution requires additional verification. A recent utility bill or bank statement can serve this purpose. Be prepared to provide your full legal name as it appears on your bank account. Have funds available for payment to cover any fees associated with obtaining the checks.