How to Obtain Personal Checks for Your Account

Quick answer

• Most banks provide personal checks for checking accounts.
• You can order checks online directly from your bank or through third-party check printers.
• Some banks offer starter checks when you open an account.
• Always verify the cost and delivery time before ordering.
• Ensure the check design meets your needs and security preferences.
• Keep a record of your check numbers for tracking.

Who this is for

• Individuals who need to write paper checks for payments.
• New account holders who require checks for the first time.
• Those whose existing check supply is running low.

What to check first (before you act)

Your Bank Account Type

Not all account types come with check-writing privileges. Some basic accounts or online-only accounts might not offer checks.

Available Ordering Methods

Your bank will have specific procedures for ordering checks. This could be online through their portal, via phone, or in person at a branch.

Cost and Fees

Check printing isn’t always free. Your bank or a third-party printer will charge for the checks. Understand any associated fees, including shipping.

Delivery Timeline

How quickly do you need the checks? Standard delivery can take a week or two, while expedited options might be available for an extra charge.

How to Get a Personal Check: A Step-by-Step Guide

This guide outlines the typical process for obtaining personal checks for your bank account.

Step 1: Identify Your Bank and Account

What to do: Know the name of your financial institution and the specific checking account for which you need checks.
What “good” looks like: You have the bank’s name and your account number readily available.
Common mistake: Trying to order checks without confirming which account they are for, potentially leading to ordering for the wrong account. Avoid this by double-checking your account details before proceeding.

Step 2: Check Your Current Check Supply

What to do: Locate any existing checks you have and count how many are left. Note the last check number used.
What “good” looks like: You have a clear understanding of how many checks you have and approximately when you’ll run out.
Common mistake: Waiting until you have zero checks left. This can lead to a scramble and potential payment delays. Proactively check your supply well in advance.

Step 3: Determine Your Ordering Method

What to do: Contact your bank or log into your online banking portal to find out how they prefer you order checks.
What “good” looks like: You know whether to order online, by phone, or in person.
Common mistake: Assuming you can order through any channel. Banks have specific processes. Always confirm their preferred method.

Step 4: Gather Necessary Information

What to do: Have your bank account number, routing number (usually found on existing checks or your bank’s website), and your current address ready.
What “good” looks like: You have all the required details at your fingertips.
Common mistake: Missing your routing number. This is crucial for ordering checks correctly. Check your bank’s website or an old statement if unsure.

Step 5: Choose Your Check Design and Features

What to do: Browse the available check styles offered by your bank or third-party printer. Consider security features, personalization options (like your name and address), and the number of checks per order.
What “good” looks like: You’ve selected a design that you like and that includes necessary security features.
Common mistake: Choosing the cheapest or flashiest design without considering security. Opt for checks with features like microprinting or UV ink if available.

Step 6: Place Your Order

What to do: Follow the bank’s or printer’s instructions to submit your order. This typically involves filling out an online form or speaking with a representative.
What “good” looks like: Your order is successfully submitted with all correct information.
Common mistake: Typos in your name or address. This can lead to delays or rejected orders. Carefully review all entered information before submitting.

Step 7: Confirm Order Details and Cost

What to do: Before finalizing, review the order summary, including the number of checks, design, cost, and estimated delivery date.
What “good” looks like: You understand the total cost and when to expect your checks.
Common mistake: Not noticing hidden fees or expedited shipping charges you didn’t intend to select. Always check the final breakdown.

Step 8: Track Your Order (If Available)

What to do: If a tracking number is provided, use it to monitor the progress of your check delivery.
What “good” looks like: You can see the status of your shipment.
Common mistake: Forgetting to track and then being surprised by a delay. If tracking is offered, use it to stay informed.

Step 9: Receive and Verify Your Checks

What to do: Once your checks arrive, carefully examine them to ensure all printed information (name, address, account number) is accurate.
What “good” looks like: Your checks are correct and ready to use.
Common mistake: Using incorrect checks. If you find errors, contact your bank or printer immediately.

Step 10: Record Your Starting Check Number

What to do: Note the first check number in your new batch. This is crucial for record-keeping.
What “good” looks like: You have a clear record of the starting check number for your new supply.
Common mistake: Not recording the starting number, making it harder to track your spending and reconcile your accounts. Keep this number in your check register or a secure digital note.

Common Mistakes and What Happens If You Ignore Them

Mistake	What it causes	Fix
Ordering checks for the wrong account	Payments may not clear, leading to overdraft fees or bounced checks.	Always verify the account number before ordering.
Waiting too long to reorder	Running out of checks, causing payment delays and potential late fees on bills.	Monitor your check supply regularly and reorder at least 2-3 weeks before you expect to run out.
Not verifying personal information	Checks may be printed with incorrect name or address, making them unusable or less secure.	Double-check all printed details on the order confirmation and on the received checks.
Ignoring check security features	Increased risk of check fraud or counterfeiting.	Opt for checks with enhanced security features like watermarks, microprinting, or security guards.
Not recording check numbers	Difficulty tracking spending, reconciling bank statements, and identifying fraudulent activity.	Maintain a check register or digital log of all checks written, including the number, date, payee, and amount.
Using starter checks indefinitely	Starter checks are often limited in number and may lack advanced security features.	Order a full supply of personalized checks as soon as possible after opening an account.
Ordering from unverified third-party vendors	Risk of poor quality checks, security vulnerabilities, or even identity theft.	Use your bank’s official ordering channel or reputable, well-known third-party printers.
Not understanding fees	Unexpected charges can increase the overall cost of obtaining checks.	Carefully review all fees associated with ordering, including shipping and any service charges.
Failing to review the received order	Using incorrect or incomplete checks can lead to payment issues.	Inspect your new checks thoroughly upon arrival and report any discrepancies immediately.

Decision Rules for Obtaining Personal Checks

• If you frequently write checks for bills, then order a larger quantity to save on per-check costs and fewer reorders.
• If you are concerned about check fraud, then choose checks with enhanced security features like watermarks or security screens.
• If you need checks urgently, then inquire about expedited shipping options, but be prepared for higher costs.
• If you have a basic checking account, then confirm with your bank that check-writing privileges are included before ordering.
• If you find a better price from a reputable third-party printer, then compare their security features and delivery times to your bank’s offerings.
• If you’ve recently changed your address, then ensure you order checks with your new address to avoid confusion and ensure payments are sent correctly.
• If you are managing a tight budget, then consider ordering a smaller quantity of checks initially to gauge your actual usage.
• If you use online bill pay extensively, then you may need fewer physical checks, so adjust your order quantity accordingly.
• If you are unsure about your bank’s routing number, then check an existing check or your bank’s official website, as this is essential for ordering.
• If you want to track your spending meticulously, then use a check register or digital tool to record every check written, starting with the first number in your new batch.

FAQ

How do I get checks if I just opened a new account?

When you open a new checking account, your bank will typically provide you with a small number of “starter checks.” You can then order a full supply through their designated ordering process.

Can I order checks online?

Yes, most banks allow you to order checks directly through their online banking portal. Third-party check printers also offer online ordering services.

How long does it take to get checks?

Standard delivery usually takes 7-14 business days. Expedited shipping options are often available for an additional fee, which can shorten the delivery time.

How much do personal checks cost?

The cost varies significantly. Your bank might charge anywhere from $15 to $30 or more for a box of 100-200 checks. Third-party printers can sometimes offer lower prices, but always compare quality and security features.

What information do I need to order checks?

You’ll typically need your bank’s routing number, your account number, your name, and your current mailing address.

Can I use any check printer, or do I have to use my bank?

You can order checks from third-party printers, but it’s crucial to ensure they are reputable and that the checks comply with banking standards. Using your bank’s official channel is often the most straightforward and secure option.

What if my checks have errors?

If you receive checks with incorrect information, contact your bank or the check printer immediately. They will usually replace them free of charge.

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

• Digital Payment Methods: This guide focuses on physical checks. For alternatives, explore online bill pay, peer-to-peer payment apps (like Venmo, PayPal, Zelle), and direct debit options.
• Reconciling Bank Statements: Understanding how to match your check register with your bank statement is a separate, but important, financial skill.
• Business Checks: Ordering checks for a business account involves different procedures and often more advanced security features.
• Check Cashing Services: Information on where and how to cash checks, especially if you don’t have a bank account.