How to Order Checks for Your Checking Account
Short answer
Ordering checks for your checking account means requesting printed checkbooks from your bank or credit union to use for payments. You typically order checks through your bank’s website, mobile app, or by calling customer service. For example, if you write five checks monthly, ordering a checkbook with 100 checks can last over a year. Having checks allows you to pay bills or individuals when electronic payments aren’t convenient or accepted.
What Does Ordering Checks for a Checking Account Mean?
Ordering checks means asking your bank or credit union to provide physical checkbooks linked to your checking account. A checkbook contains pre-printed checks with your account number and bank routing number. These checks let you authorize payments by writing your bank account details, payee name, date, and amount on paper instead of electronically. While many people use debit cards or digital transfers, checks remain useful for some payments such as rent, gifts, or paying small businesses.
You usually order checks by contacting your bank directly or using their online platform. They print your checks with your name, address, and account info, then mail them to you. Some banks offer customization options like colors, designs, or adding a logo. Some checkbooks come with a register so you can track your spending when writing checks.
How Does Ordering and Using Checks Work? A Hypothetical Example
Imagine you have a checking account that you use regularly, and you prefer to pay your monthly rent with a personal check. You notice you’re running low on checks, so you decide to order more.
- You log in to your bank’s website and navigate to the section for ordering checks.
- You enter your account number, select the style of check you want, and specify the number of checks to order—say 100.
- The bank confirms the order and tells you the checks will arrive in about 7-10 business days.
- When the checks arrive, you write a check to your landlord for $1,000 for rent, filling in the date, payee name, amount in numbers and words, and signing it.
- You record this transaction in your check register or app to keep track of your balance.
- Your landlord deposits the check, and your bank deducts the $1,000 from your checking account balance.
This process shows how ordering checks supports ongoing spending needs when writing checks is preferred or required.
Why Does Ordering Checks Matter for You?
Even in an era dominated by digital payments, checks remain relevant for many people and situations. Some landlords, small businesses, or service providers prefer or require checks to avoid transaction fees or complexities. Checks can also be a safer alternative to cash when you want a paper trail for payments.
Ordering checks ensures you’re prepared when you need to pay this way. Without checks, you might have to find alternative methods or pay fees for electronic payments. Having physical checks also helps if your debit card is lost or frozen, providing a backup payment option.
Additionally, using checks teaches important money management skills. Writing and tracking checks encourages you to monitor your account balance carefully to avoid overdrafts or bounced checks, which often come with fees.
What Are Some Terms Related to Ordering Checks You Should Know?
When ordering checks, you might encounter terms that can be confusing. Here are some key ones:
- Routing Number: A nine-digit number on the check that identifies your bank.
- Account Number: Your unique checking account number printed on the check.
- MICR Line: The line at the bottom of the check with routing, account, and check numbers in magnetic ink used by banks to process checks.
- Check Register: A booklet or digital record to track checks written, deposits, and withdrawals.
- Overdraft: Spending more than your available balance, which can lead to fees if a check bounces.
- Check Verification: Some businesses verify checks at the point of acceptance to reduce fraud risk.
Understanding these terms helps you feel confident when placing a check order or handling payments.
How Much Do Checks Cost and Where Can You Order Them?
The cost of ordering checks varies depending on your bank or credit union, the style of checks, and quantity. Some banks offer free checks for new accounts or as perks, but most charge a fee that can range from a few dollars for a box of 50 to $20 or more for 100 decorative checks.
You can order checks from:
- Your bank or credit union directly, through their website, app, or customer service.
- Third-party check printing companies authorized by your bank (make sure to verify legitimate providers).
- Office supply stores that print checks, but you’ll need your bank’s routing and account numbers.
Compare prices and shipping times before ordering. If you want personalized designs or extras like duplicate copies, these may add to the cost.
What Should You Do Next to Order Checks for Your Account?
If you decide to order checks, follow these steps:
- Confirm your current checking account number and routing number (found on your bank statement or existing checks).
- Visit your bank’s official website or app and locate the "Order Checks" section.
- Choose the check style, quantity, and any personalization options.
- Review the pricing and estimated delivery time.
- Place your order securely, making sure you use official bank channels.
- Once you receive your checks, store them safely and keep track of checks you use.
- Use a check register or app to record every check written to avoid overdrafts.
If you don’t have checks but want them, check with your bank about ordering or opening an account that offers check-writing capabilities. Also, review articles like What a Checking Account Is and Basic Rules for Using a Checking Account to understand how checking accounts and checks work together.
What Are Alternatives to Using Checks?
If ordering checks feels outdated or inconvenient, you can explore other payment methods linked to your checking account:
- Debit Cards: Instant payments using your checking funds.
- Online Bill Pay: Many banks offer free electronic payments to billers.
- Mobile Payment Apps: Send money to people using apps connected to your bank account.
- Electronic Transfers (ACH): Automated payments for recurring bills or person-to-person transfers.
These methods may be faster and more secure but may not always be accepted by everyone. Checks remain a valid option for certain transactions.
Frequently asked questions
How long does it take to receive ordered checks?
Typically, checks arrive within 7 to 14 business days after ordering, depending on the bank’s processing and shipping. Some banks offer expedited shipping for an extra fee.
Can I order checks if I don’t have a checking account?
No, checks are linked to a specific checking account. You must have an active checking account to order checks.
Are there safer alternatives to mailing checks?
Yes, online bill pay services through your bank send electronic payments directly to payees, reducing risk of lost or stolen checks.
How can I avoid overdraft fees when using checks?
Keep track of every check written in a register or app and regularly check your account balance to ensure you have sufficient funds.
Can I customize the design of my checks?
Many banks and check printers offer customization options like colors, images, or logos, often at an additional cost.
What should I do if my checks are lost or stolen?
Contact your bank immediately to stop payment on the missing checks and order replacements to prevent unauthorized use.