How to order checks and checkbooks
Quick insights
- You can usually order a checkbook or replacement checks through your bank’s website, mobile app, customer service line or by visiting a branch.
- Most banks provide an option to order checks when you open a checking account.
- There are third-party sites that specialize in printing checks for consumers and businesses.
Ordering checks may seem outdated, but plenty of people still use them for certain payments or as a backup payment option. And there are some instances where writing a check may be required.
This guide discusses the check ordering process, where you can order checks and why they may still have a place in your financial toolkit.
Where you can order checks
You have a few choices when it comes to ordering checks or a new checkbook.
Most people start by checking with their bank or credit union, as ordering directly may help ensure your account information is accurate on the checks. If you want a specific design or are shopping for the best price, you can also order checks from third-party printers or reliable online retailers.
Large, national retailers may let you order checks online through their site. There also are businesses dedicated to printing checks that may provide low-cost options. When using these companies, you often can personalize your design and order online.
When ordering checks from a third-party retailer, confirm your account and personal information are correct before placing your order. This can prevent errors on your checks that cause complications when writing or depositing checks.
How to order checks
When you open a new checking account, most banks provide an option to request a checkbook during account setup. You can reorder checks later, whether you’ve run out or simply want a different style.
If going through your bank, you can likely place an order for new checks through your bank’s website, mobile app or neighborhood branch or by calling customer service. You will likely have choices for style and quantity to order. Some banks use specialized check printers, so you may be asked to place your order through one of these companies.
After placing your order, it usually takes a few business days for your checkbook to arrive. If you need checks quickly, your bank may be able to issue temporary checks while you wait.
Reasons you might pay with a check
Even as electronic payments have become common, there are times when writing a check can make sense or is necessary. Some common situations include:
- Rent payments: Some landlords or property management companies ask for checks to keep track of payments.
- Bill payments: Certain bills, like property taxes or medical expenses, may require or prefer checks.
- Gifts or donations: Writing checks lets you give money or donate to causes and keep a physical record as well.
- Large purchases: Checks may be useful for big purchases and may be handy when purchasing from a private seller who won’t accept cash or card payments.
Checks also can be useful if you want to control when your payment is processed—as you can write a check to only be cashed on a future date—or if you want a paper record of your payment.
What to consider before you order a checkbook
Before you order checks, think about how many you’ll actually use in a year. Buying in bulk can often lower your per-check cost, but many people don’t need thousands of checks in their possession. And having several unused checks may increase the chances of unauthorized use.
You may want to look into the fees associated with ordering from your bank or a third party, as costs and features can vary. Some banks may give you a few starter checks when you open your account, while others might charge for all orders.
Alternatives to writing checks
Even if you have a checkbook, you might prefer other payment options for daily expenses. Many banks and financial apps now allow you to send or receive money instantly from your phone or online.
Popular alternatives to checks include:
- Debit cards: Linked to your checking account, debit cards can be used in stores or online for purchases.
- Online bill pay: Most banks offer ways to pay bills online, as single or recurring payments, to businesses or individuals.
- Bank-to-bank transfers: Many banks offer digital transfers, letting you send money directly to another person’s account.
- Digital payment apps: Digital payment apps let you quickly send or receive payments using your bank account or debit card.
These methods may be faster than filling out a check by hand, but keeping checks around can be helpful for rare occasions where a digital payment isn’t an option.
In summary
Ordering a checkbook is a process you can usually complete online, by phone or in person through your bank or credit union. You may also be able to order checks through third-party sites and at some national retailers. When ordering checks, you typically need to select the quantity and design.
While checks aren’t needed for every transaction, they remain a practical option for things like rent, charitable donations or large purchases. Digital payment alternatives such as debit cards and digital payment apps can simplify everyday transactions, but keeping a checkbook may help you be ready for any payment scenario.
