Where and How to Buy Personal Checks

Quick answer

• Order checks directly from your bank or credit union.
• Compare prices from online check printers for potential savings.
• Look for security features on checks to protect against fraud.
• Consider ordering a smaller quantity initially to test a new vendor.
• Check your bank’s fees for ordering checks versus using an independent printer.
• Ensure you have your account and routing numbers ready before ordering.

Who this is for

• Individuals who prefer writing checks for certain payments.
• People looking for cost-effective ways to purchase checks.
• Those who want to understand the different options for buying personal checks.

What to check first (before you act)

Your banking relationship

Before you buy checks, confirm your current banking institution. This is crucial because your bank will have your account and routing numbers readily available, simplifying the ordering process. They may also offer integrated ordering through their online portal or by visiting a branch.

Your check needs

Consider how often you write checks and in what quantities. If you rarely use checks, a smaller order might be more economical. If you write checks frequently, buying in larger quantities could lead to a lower per-check cost, but ensure you have storage space and won’t be stuck with outdated checks if your account information changes.

Your budget for checks

Check prices from various sources, including your bank, credit union, and online check printers. Prices can vary significantly. Factor in shipping costs and any potential design or customization fees.

Security features

Think about the security measures offered on checks. Features like watermarks, microprinting, and security screens can help prevent counterfeiting and fraud. While often standard, some vendors may offer enhanced security options.

Step-by-step (how to buy checks)

1. Gather your banking information.

• What to do: Locate a recent check or statement. You’ll need your full name, address, bank name, account number, and bank routing number.
• What “good” looks like: You have all the necessary numbers and information readily accessible.
• Common mistake: Trying to order without your account and routing numbers.
• How to avoid it: Have a recent check or bank statement handy before you start the ordering process.

2. Decide where to buy.

• What to do: Consider your bank, credit union, or an independent online check printer.
• What “good” looks like: You’ve identified at least two potential vendors to compare.
• Common mistake: Only checking with your bank without exploring other options.
• How to avoid it: Spend a few minutes researching online check printers for price comparisons.

3. Visit your bank’s website or branch.

• What to do: If ordering through your bank, navigate to their online ordering portal or speak with a teller.
• What “good” looks like: You can easily find the check ordering section or speak to a representative who can assist you.
• Common mistake: Not knowing how to access your bank’s check ordering system.
• How to avoid it: Look for “Order Checks” or “Personal Banking” sections on your bank’s website, or ask a teller for guidance.

4. Browse online check printer options.

• What to do: Go to the websites of reputable online check printers. Look for their personal check sections.
• What “good” looks like: You can easily find a variety of designs and price points.
• Common mistake: Selecting the first vendor you find without comparing designs or prices.
• How to avoid it: Open a few tabs with different online printers to compare options side-by-side.

5. Select your check style and quantity.

• What to do: Choose a design, color, and the number of checks you want to order.
• What “good” looks like: You’ve picked a style you like and a quantity that fits your anticipated usage and budget.
• Common mistake: Ordering more checks than you’ll realistically use, leading to waste.
• How to avoid it: Consider your typical check-writing frequency and order a quantity that will last a reasonable amount of time, but not so much that they expire or become obsolete.

6. Enter your personal and banking information.

• What to do: Carefully input your name, address, and the required account and routing numbers. Double-check for accuracy.
• What “good” looks like: All fields are completed accurately, and you’ve reviewed them for typos.
• Common mistake: Typos in account or routing numbers, which will render the checks unusable.
• How to avoid it: Read each number aloud as you type it and compare it to your source document.

7. Review security features.

• What to do: Check the product description for security features like microprinting, watermarks, or security screens.
• What “good” looks like: You’ve identified that the checks offer standard or enhanced security measures.
• Common mistake: Overlooking security features, potentially leading to increased fraud risk.
• How to avoid it: Look for a “Security Features” section on the product page.

8. Confirm pricing and shipping.

• What to do: Verify the total cost, including any shipping fees, taxes, or rush processing charges.
• What “good” looks like: The final price matches your expectations and budget.
• Common mistake: Not accounting for shipping or hidden fees, leading to a higher-than-expected total.
• How to avoid it: Always review the order summary before finalizing the purchase.

9. Place your order.

• What to do: Complete the checkout process using your preferred payment method.
• What “good” looks like: You receive an order confirmation email with details and an estimated delivery date.
• Common mistake: Not receiving or saving the order confirmation.
• How to avoid it: Ensure your email address is correct and check your inbox (and spam folder) for the confirmation.

10. Wait for delivery and verify.

• What to do: Allow the estimated delivery time. Once received, compare a few checks to your bank information to ensure they are correct.
• What “good” looks like: The checks arrive within the expected timeframe and are printed accurately.
• Common mistake: Not checking the printed checks for errors before using them.
• How to avoid it: Quickly scan the first few checks for your name, address, and the correct account/routing numbers.

Common mistakes (and what happens if you ignore them)

Mistake	What it causes	Fix
Typos in account/routing numbers	Checks will not clear, payments will be rejected, potential fees.	Double-check numbers before submitting the order; contact the vendor immediately if an error is found.
Ordering from an unverified vendor	Receiving poor-quality checks, potential identity theft, or no checks at all.	Stick to well-known online printers or your bank. Read reviews if considering a new vendor.
Not checking security features	Increased risk of check fraud and counterfeiting.	Prioritize vendors offering standard security features like watermarks and microprinting.
Ordering too many checks	Checks may become outdated if account information changes; wasted money.	Order a quantity that matches your typical usage over a reasonable period.
Not verifying the order confirmation	Missing delivery updates, inability to track order, or no record of purchase.	Save the confirmation email and note the estimated delivery date.
Using outdated checks	Payments may be rejected, or you might incur fees from your bank.	Order new checks when your current supply is low or if your account information has changed.
Ignoring shipping costs	Total cost can be significantly higher than anticipated.	Always review the final order summary, including all fees, before checkout.
Not comparing prices	Paying more than necessary for your checks.	Get quotes from at least two different vendors (bank vs. online printer).
Forgetting about check design fees	The advertised price may not be the final price if you choose a custom design.	Be aware that personalized or unique designs often come with an additional charge.

Decision rules (simple if/then)

• If you write checks frequently, then order in larger quantities because it typically lowers the per-check cost.
• If you rarely write checks, then order a smaller quantity to avoid waste and obsolescence because your account information might change.
• If you want the simplest process, then order from your bank because they already have your account details on file.
• If you are looking for potential cost savings, then compare prices from online check printers against your bank’s offerings because independent printers often have lower overhead.
• If security is a top priority, then look for checks with enhanced features like holographic seals or unique watermarks because these offer greater protection against fraud.
• If you are ordering for the first time from a new vendor, then start with a smaller quantity to test their quality and service because this minimizes risk if there’s an issue.
• If you have a very specific design in mind, then check with online printers first because they usually offer a wider selection of customizable designs than banks.
• If your bank offers free or heavily discounted checks, then consider ordering from them because the convenience and cost savings can be significant.
• If you are concerned about environmental impact, then look for “green” or eco-friendly check options, as some vendors offer these choices.
• If you need checks very quickly, then check the expedited shipping options from both your bank and online printers, but be aware these come at an additional cost.

FAQ

How do I get my routing and account numbers for ordering checks?

You can find your routing and account numbers on any pre-printed check from your account. They are typically located at the bottom of the check, with the routing number usually appearing first, followed by your account number.

Can I order checks online from my bank?

Yes, most banks and credit unions offer online ordering for checks through their official websites or mobile apps. This is often the most convenient method if you’re already a customer.

Are online check printers safe to use?

Reputable online check printers are generally safe to use. Look for established companies with good customer reviews and clear security policies. Avoid unknown or suspicious websites.

What are common security features on checks?

Common security features include microprinting (tiny text visible under magnification), watermarks, security screens (a colored pattern on the back), and thermochromic ink (ink that disappears when heated).

How long does it usually take to receive ordered checks?

Delivery times can vary, but it typically takes 7-14 business days for checks to arrive after ordering. Expedited shipping options may be available for an extra fee.

What should I do if my ordered checks are incorrect?

Contact the vendor immediately. If you ordered from your bank, call their customer service. If you used an online printer, use their customer support channels. Most reputable vendors will correct errors at no additional charge.

Can I use checks from one bank with another bank’s account?

No, checks are printed with specific routing and account numbers for your individual bank and account. Using checks from a different bank will result in payment rejection.

Is it cheaper to buy checks online or from my bank?

It often is cheaper to buy checks from independent online printers, especially if you buy in larger quantities. However, always compare prices, as some banks offer competitive pricing or even free checks for certain account types.

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

• Ordering business checks (these have different requirements and designs).
• Next topic: Researching business banking services and supplies.
• Using digital payment methods instead of checks.
• Next topic: Exploring online payment platforms and mobile banking features.
• The legal implications of bounced checks or check fraud.
• Next topic: Understanding consumer protection laws and financial regulations.
• Advanced check security features or custom check design services.
• Next topic: Consulting with specialized printing services or financial advisors.