Ordering a New Checkbook: Simple Methods

Quick answer

• Most banks allow you to order new checks online through their website or mobile app.
• You can also order checks by phone, visiting a bank branch, or sometimes through ATMs.
• Ensure you have your account number and routing number ready.
• Reordering is typically faster than placing an initial order.
• Be aware of potential fees for rush shipping or special designs.
• Compare prices if you’re not ordering directly from your bank.

Who this is for

• Individuals who have run out of checks and need to replenish their supply.
• New account holders who need to order their first set of checks.
• People who prefer using paper checks for certain transactions or payments.

What to check first (before you act)

Account Information

Before ordering, confirm you have your correct bank account number and the bank’s routing number. These are essential for processing your check order accurately. You can find this information on an existing check, your bank statement, or by logging into your online banking portal.

Current Check Supply

Assess how many checks you have left and estimate how long they will last. Consider your typical check-writing frequency. Ordering too late can leave you scrambling, while ordering too early might mean outdated information on your checks if your account details change.

Shipping Timeline

Understand how long it typically takes for checks to arrive. If you have an urgent need for checks, inquire about expedited shipping options and any associated costs. Factor this into your decision-making process to avoid payment delays.

Bank Policies and Fees

Familiarize yourself with your bank’s specific procedures for ordering checks. Some banks include a certain number of free checks per year, while others charge for all orders. Check for any fees related to design choices, personalization, or rush delivery.

Step-by-step (simple workflow)

1. Log in to your bank’s online portal or mobile app.

• What to do: Navigate to the section for managing your accounts or ordering services. Look for an option like “Order Checks” or “Reorder Checks.”
• What “good” looks like: You’ve successfully accessed the check ordering system.
• Common mistake and how to avoid it: Forgetting your login credentials. Reset your password or use the “forgot username” option before you start.

2. Verify your account information.

• What to do: Double-check that the account number displayed is the correct one for which you want to order checks.
• What “good” looks like: The displayed account number matches your records.
• Common mistake and how to avoid it: Ordering for the wrong account. Always confirm the account number before proceeding.

3. Select your check style and quantity.

• What to do: Browse available designs and choose the quantity of checks you wish to order (e.g., 100, 200, 400).
• What “good” looks like: You’ve selected a design you like and a quantity that meets your needs.
• Common mistake and how to avoid it: Choosing a design that doesn’t allow for necessary information or is too busy. Stick to standard designs for clarity.

4. Review and confirm personalization options.

• What to do: Ensure your name and address are printed correctly on the checks. Verify any special requests like logos or different fonts.
• What “good” looks like: All personalized information is accurate.
• Common mistake and how to avoid it: Typos in your name or address. Proofread meticulously.

5. Choose your shipping method.

• What to do: Select standard shipping or opt for expedited services if needed.
• What “good” looks like: You’ve chosen a shipping method that fits your timeline and budget.
• Common mistake and how to avoid it: Not considering shipping times, especially for urgent needs. Always check the estimated delivery date.

6. Review the order summary and total cost.

• What to do: Carefully examine all details of your order, including the number of checks, personalization, shipping method, and the final price.
• What “good” looks like: Everything on the summary screen is exactly as you intended.
• Common mistake and how to avoid it: Overlooking hidden fees or incorrect quantities. Read every line item.

7. Enter payment information (if applicable).

• What to do: If there are fees associated with your order, provide your payment details.
• What “good” looks like: Securely entered payment information.
• Common mistake and how to avoid it: Using an unsecured connection or providing payment details to an unofficial site. Always ensure you are on your bank’s secure portal.

8. Place your order.

• What to do: Click the final confirmation button to submit your check order.
• What “good” looks like: You receive a confirmation number or email for your order.
• Common mistake and how to avoid it: Not getting a confirmation. If you don’t receive one, contact your bank immediately.

9. Keep your confirmation details handy.

• What to do: Save the order confirmation number and any related emails.
• What “good” looks like: You have a record of your order for future reference or if issues arise.
• Common mistake and how to avoid it: Discarding confirmation details, making it hard to track your order if needed.

10. Wait for delivery.

• What to do: Allow the estimated time for your checks to arrive via mail.
• What “good” looks like: Your new checks arrive within the expected timeframe.
• Common mistake and how to avoid it: Assuming checks will arrive instantly. Plan ahead to avoid running out.

Common mistakes (and what happens if you ignore them)

Mistake	What it causes	Fix
Ordering from unofficial third-party sites	Identity theft, overpayment, receiving incorrect or no checks.	Always order directly through your bank’s official website, app, or branch.
Not verifying account numbers	Checks issued for the wrong account, leading to bounced payments or returned mail.	Double-check the account number displayed on the order form against your bank statement or an existing check.
Ignoring shipping times	Running out of checks and being unable to make payments, potentially incurring late fees.	Select shipping options based on your current check supply and anticipated usage. Order well in advance.
Not proofreading personalization	Incorrect name or address on checks, causing payment issues or returned mail.	Carefully review all printed information (name, address, phone number) before submitting the order.
Overlooking fees	Unexpected charges on your bank statement, increasing the overall cost.	Review the order summary thoroughly for all listed fees, including design upgrades and shipping.
Ordering too many checks at once	Outdated information on checks if account details change (e.g., address, name).	Order a reasonable quantity that you expect to use before any account information is likely to change.
Using outdated check stock	Checks may not be compatible with modern processing systems or lack security features.	Always order new checks from your bank to ensure they meet current standards.
Not having a backup payment method	Inability to pay bills if checks are delayed or lost in the mail.	Maintain a small balance in a checking account and have alternative payment methods ready (e.g., online bill pay).

Decision rules (simple if/then)

• If you are ordering checks for the first time, then be extra careful to verify all personal and account information because mistakes are more common with initial orders.
• If your bank offers a specific online portal for ordering, then use it because it’s usually the most efficient and accurate method.
• If you need checks urgently, then investigate expedited shipping options and their costs because standard delivery may not be fast enough.
• If you have a very specific design in mind, then check if your bank allows custom orders or if they offer a wide selection of pre-designed options because not all banks accommodate unique requests.
• If you are concerned about security, then order checks directly from your bank rather than through a third-party vendor because this minimizes the risk of data breaches.
• If your address has recently changed, then ensure you update your address with the bank before ordering checks to avoid mail delivery issues.
• If your bank offers a discount or free checks, then take advantage of it because it can save you money on this necessary expense.
• If you primarily use digital payments, then consider ordering a smaller quantity of checks to avoid having outdated ones expire or become unusable.
• If you are unsure about any part of the ordering process, then contact your bank’s customer service for clarification because they can guide you through the steps.
• If you receive your new checks and notice an error, then contact your bank immediately to report the mistake and arrange for corrected checks.

FAQ

How do I find my bank’s routing number?

Your routing number is typically found at the bottom of your checks, along with your account number. It’s also usually available on your bank’s website, mobile app, or by contacting customer service.

Can I order checks online?

Yes, most banks allow you to order checks directly through their secure online banking portal or mobile application. This is often the most convenient method.

How long does it take to get new checks?

Standard delivery times can range from 5 to 10 business days, but this can vary by bank and your location. Expedited shipping options are often available for an additional fee.

What if I don’t have any checks left?

If you have no checks remaining, you may need to visit a branch to withdraw cash or make urgent payments. You can also ask the teller to help you place an order for new checks immediately.

Are there different types of checks?

Yes, banks offer various designs, from basic to more decorative options. Some also offer specialty checks, like business checks or those with added security features.

How much do checks cost?

The cost of checks varies significantly depending on the bank, the design, and the quantity ordered. Some banks may offer a limited number of free checks per year.

Can I order checks if I just opened my account?

Yes, when you open a new account, you can usually order your first set of checks at that time, or shortly after. The process is similar to reordering.

What information is needed to order checks?

You will need your bank account number, your bank’s routing number, and the name and address you want printed on the checks.

What this page does NOT cover (and where to go next)

• Ordering business checks (which have different requirements and often different designs).
• Setting up online bill pay services that may reduce your need for paper checks.
• Managing your checking account balance and avoiding overdraft fees.
• Understanding different types of bank accounts beyond basic checking.
• Advanced check security features or fraud prevention methods.