How To Get A Checkbook From Your Bank

Quick answer

• Most banks allow you to order checks online through their website or mobile app.
• You can also visit a local branch or call customer service to request new checks.
• Have your account number and routing number ready.
• Expect delivery within 7-14 business days, though rush options may be available.
• Check your bank’s specific policies for ordering limits and any associated fees.
• Ensure your address on file is current for accurate delivery.

Who this is for

• Individuals who need to write checks for payments and prefer physical checks over digital methods.
• New bank account holders who have not yet ordered checks for their account.
• Existing account holders who have run out of checks or need a new style or design.

What to check first (before you act)

Your banking relationship

Confirm that your checking account is active and in good standing. Some banks may have restrictions on ordering checks for dormant or recently opened accounts.

Account and routing numbers

Locate your checking account number and your bank’s routing number. These are essential for ordering checks and are typically found on your current checks or online banking portal.

Delivery address

Verify that your mailing address is up-to-date with your bank. This is crucial to ensure your checks are delivered to the correct location.

Bank policies and fees

Review your bank’s specific procedures for ordering checks. Understand any associated costs, such as printing fees or shipping charges, and check for any limits on how many checks you can order at once.

Step-by-step (simple workflow)

1. Log in to your online banking portal or mobile app.

• What to do: Access your bank’s secure online platform or download their official mobile application.
• What “good” looks like: You are successfully logged in and can see your account summary.
• A common mistake and how to avoid it: Forgetting your login credentials. Reset your password or username in advance to avoid delays.

2. Navigate to the “Order Checks” or “Account Services” section.

• What to do: Look for a menu option related to ordering supplies, managing accounts, or account services.
• What “good” looks like: You find a clear link or button that leads to the check ordering process.
• A common mistake and how to avoid it: Looking in the wrong section. If you can’t find it, use the site’s search function for “order checks.”

3. Select the checking account for which you need checks.

• What to do: If you have multiple accounts, choose the specific one.
• What “good” looks like: The correct account is highlighted or selected.
• A common mistake and how to avoid it: Accidentally selecting the wrong account. Double-check the account number displayed.

4. Choose your desired check style and quantity.

• What to do: Browse the available designs and select the number of check “packs” you wish to order.
• What “good” looks like: You have selected a design you like and the quantity that meets your needs.
• A common mistake and how to avoid it: Ordering too many or too few checks. Consider your typical usage to estimate the right quantity.

5. Verify your personal information and shipping address.

• What to do: Confirm that your name, address, and any other required details are accurate.
• What “good” looks like: All your personal and shipping information is correct and current.
• A common mistake and how to avoid it: Not updating your address after a move. This can lead to lost checks.

6. Review your order and any associated fees.

• What to do: Carefully examine the check style, quantity, and the total cost, including any printing or shipping fees.
• What “good” looks like: You understand the total cost and are satisfied with the order details.
• A common mistake and how to avoid it: Not noticing hidden fees. Read all summaries before confirming.

7. Confirm and place your order.

• What to do: Submit your order through the online portal or app.
• What “good” looks like: You receive an order confirmation number or email.
• A common mistake and how to avoid it: Clicking “submit” multiple times if the system seems slow. This can result in duplicate orders.

8. Note the estimated delivery time.

• What to do: Pay attention to the expected arrival date for your new checks.
• What “good” looks like: You have a clear expectation of when your checks will arrive.
• A common mistake and how to avoid it: Assuming immediate delivery. Standard delivery can take a week or more.

9. Alternatively, visit or call your bank branch.

• What to do: Go to a local branch or call their customer service line.
• What “good” looks like: A bank representative assists you with ordering checks.
• A common mistake and how to avoid it: Going to a branch without checking their hours or if they offer in-person check ordering. Call ahead.

Common mistakes (and what happens if you ignore them)

Mistake	What it causes	Fix
Not updating your mailing address	Checks sent to an old address, lost or stolen	Update your address immediately with the bank and reorder checks.
Ordering the wrong check style	Inconvenience, potential for misidentification	Order the correct style and use up the incorrect ones for non-critical payments if possible, or discard them.
Not checking for fees	Unexpected charges on your account	Review the order summary carefully before confirming. If charged unexpectedly, contact the bank.
Ordering too few checks	Running out of checks unexpectedly	Plan ahead and order a sufficient quantity based on your spending habits.
Ordering too many checks	Wasted money if your account changes or you lose them	Order conservatively, especially if you’re new to a bank or account.
Using outdated or incorrect account information	Checks will not be processed correctly	Always verify your account and routing numbers before ordering.
Not confirming the order	Believing the order was placed when it wasn’t	Ensure you receive an order confirmation number or email.
Relying solely on physical checks	Missing out on digital payment convenience	Explore your bank’s other payment options like Zelle or bill pay.
Ordering from a third-party vendor without verification	Potential for scams or poor quality checks	Always order directly through your bank or a bank-approved vendor.

Decision rules (simple if/then)

• If you need checks urgently, then look for rush shipping options, because standard delivery can take up to two weeks.
• If you’re ordering for the first time, then carefully review the check design and ensure your name and address are printed correctly, because errors can lead to processing issues.
• If you have a very large number of checks to order, then consider breaking it into multiple orders if your bank has limits, because exceeding limits can cause your order to be rejected.
• If you prefer a specific check design, then check your bank’s catalog or website for personalized options, because many banks offer a variety of styles.
• If you are unsure about your account and routing numbers, then check your most recent bank statement or log into your online banking, because incorrect numbers will prevent checks from being processed.
• If you are comfortable with digital payments, then consider if you truly need physical checks, because many transactions can be handled online or via mobile apps.
• If your bank charges a fee for ordering checks, then compare the cost to other payment methods or potential overdraft fees, because sometimes ordering checks is the most cost-effective option.
• If you are ordering checks for a business account, then ensure you are using the correct business account number and any required business name and address, because business checks have different requirements.
• If you lose your checks, then immediately notify your bank to stop payment on any outstanding checks, because this protects you from fraudulent activity.
• If your bank offers a check ordering app, then consider using it for convenience, because mobile apps are often streamlined for quick reordering.
• If you have concerns about the security of your checks, then consider ordering plain, unadorned checks, because they may be less appealing to potential counterfeiters.

FAQ

How long does it take to get a checkbook?

Standard delivery typically takes 7 to 14 business days. Some banks offer expedited shipping for an additional fee, which can reduce delivery time.

Can I order checks online?

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

What information do I need to order checks?

You will generally need your checking account number, your bank’s routing number, and your current mailing address.

How much do checks cost?

The cost varies depending on the bank, the check style, and the quantity ordered. There may also be fees for customization or expedited shipping. Check your bank’s specific pricing.

Can I order checks if my account is new?

Some banks may have a waiting period or require a minimum balance before allowing new account holders to order checks. Check with your bank for their specific policy.

What if my checks don’t arrive?

If your checks don’t arrive within the estimated timeframe, contact your bank immediately. They can track the order or initiate a reorder if necessary.

Can I order checks for a different account?

Yes, as long as you have access to that account’s information and it’s in good standing, you can typically order checks for any of your eligible checking accounts.

Are there alternatives to ordering physical checks?

Yes, many banks offer digital payment options like Zelle, online bill pay, and debit cards, which can fulfill many of the same payment needs without physical checks.

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

• Specific check designs or personalization options. (Next: Explore your bank’s check catalog or design tools.)
• International banking and check ordering procedures. (Next: Contact your international bank directly.)
• Business account specific check requirements beyond basic account details. (Next: Consult your bank’s business banking resources or a business banker.)
• The process of depositing or cashing checks. (Next: Look for information on mobile deposits, ATM deposits, or visiting a branch.)
• Advanced fraud prevention for checks. (Next: Research identity theft protection and secure banking practices.)