How To Order More Checks

Quick answer

• Contact your bank or credit union directly.
• Use their online banking portal or mobile app.
• Visit a local branch in person.
• Reorder through a check printing company if you’ve used one before.
• Have your account number and routing number ready.
• Expect a processing and delivery time, so order ahead of need.

Who this is for

• Individuals who have run out of checks or are low.
• People who regularly use checks for payments.
• Those who need to ensure they have a supply for upcoming transactions.

What to check first (before you act)

Your current check supply

Before you initiate an order, take a moment to count how many checks you have left. It’s easy to lose track, and you might have more than you think. This prevents unnecessary orders and ensures you don’t run out unexpectedly.

Your account and routing numbers

You’ll need your bank account number and the bank’s routing number to order new checks. These are typically found on your existing checks or can be obtained from your bank’s website or customer service. Ensure you have the correct numbers to avoid errors.

Bank or credit union policies

Different financial institutions have varying procedures for ordering checks. Some may have preferred vendors, while others allow you to order directly through them. Familiarize yourself with your bank’s specific process to make the ordering smoother.

Any special check needs

Consider if you need any special features on your checks, such as a different design, a second line for your address, or even business check features if you’re using them for business purposes. Most banks and check printers offer a variety of options.

Step-by-step (simple workflow)

1. Assess your check inventory:

• What to do: Count the number of blank checks you have remaining.
• What “good” looks like: You have a clear understanding of how many checks you have left and can estimate when you’ll need new ones.
• Common mistake and how to avoid it: Forgetting to check and ordering too late. Avoid this by making it a routine check every few months.

2. Identify your primary ordering method:

• What to do: Determine if you prefer ordering through your bank’s website, mobile app, in person, or via phone.
• What “good” looks like: You know the most convenient and efficient way to order checks for your financial institution.
• Common mistake and how to avoid it: Assuming your bank has only one ordering method. Avoid this by checking your bank’s website for their specific reordering instructions.

3. Gather necessary information:

• What to do: Locate your checking account number and your bank’s routing number.
• What “good” looks like: You have these numbers readily available and verified.
• Common mistake and how to avoid it: Using incorrect account or routing numbers, which can lead to delays or incorrect orders. Always double-check these numbers against a known correct source, like an existing check or your bank statement.

4. Access your bank’s online portal or app (if applicable):

• What to do: Log in to your online banking account or open your bank’s mobile application. Navigate to the section for ordering checks or managing your accounts.
• What “good” looks like: You can easily find the check reordering feature.
• Common mistake and how to avoid it: Getting lost in a complex website. Avoid this by looking for clear menu items like “Services,” “Account Management,” or “Order Checks.”

5. Select your check design and quantity:

• What to do: Browse the available check designs and choose the quantity you wish to order.
• What “good” looks like: You’ve selected a design you like and a quantity that suits your anticipated usage.
• Common mistake and how to avoid it: Not reviewing available designs or accidentally selecting a quantity that’s too large or too small. Avoid this by taking a moment to browse and consider your typical check usage.

6. Confirm shipping and billing information:

• What to do: Verify that your shipping address is correct and that the payment method for the checks is accurate.
• What “good” looks like: All shipping and billing details are up-to-date and accurate.
• Common mistake and how to avoid it: Having an outdated shipping address, leading to checks being sent to the wrong location. Always confirm your shipping address, especially if you’ve moved recently.

7. Place your order:

• What to do: Submit your order through the online portal, app, or by following your bank’s in-person or phone instructions.
• What “good” looks like: You receive a confirmation of your order, typically via email or on-screen.
• Common mistake and how to avoid it: Not waiting for or noticing an order confirmation. Avoid this by ensuring you get a confirmation number or email before closing the window or ending the call.

8. Wait for delivery:

• What to do: Allow for the standard processing and shipping time. This can vary, but is often 7-14 business days.
• What “good” looks like: Your new checks arrive safely at your confirmed shipping address within the expected timeframe.
• Common mistake and how to avoid it: Assuming checks will arrive immediately. Avoid this by ordering well in advance of when you anticipate needing them.

9. Verify the new checks:

• What to do: Once you receive your new checks, compare them to your old ones to ensure your name, address, account number, and routing number are correct.
• What “good” looks like: The new checks are accurate and ready for use.
• Common mistake and how to avoid it: Not checking for errors until you’ve already started using the checks, which can lead to returned payments. Always do a thorough verification upon receipt.

Common mistakes (and what happens if you ignore them)

Mistake	What it causes	Fix
Waiting until you have zero checks	Missed payments, overdraft fees, inability to pay bills on time.	Order new checks when you have about 25-50 left.
Not verifying account/routing numbers	Orders sent to the wrong account, significant delays, potential rejection.	Double-check these numbers against a previous check or your bank statement before submitting the order.
Using an outdated shipping address	Checks sent to a previous residence, potential theft or loss.	Always confirm your current shipping address during the ordering process.
Ordering from an unauthorized third party	Potential for scams, poor quality checks, incorrect information printed.	Stick to your bank’s official ordering channels or reputable, well-known check printers.
Not checking for errors on new checks	Payments may be rejected or misrouted, leading to fees and inconvenience.	Thoroughly review your new checks for accuracy upon arrival before using them.
Ordering custom designs without checking cost	Unexpectedly higher fees for specialized designs.	Review the pricing for different designs before selecting one.
Not understanding delivery times	Running out of checks while waiting for the new ones to arrive.	Factor in processing and shipping times (often 7-14 business days) when placing your order.
Forgetting to update payee information	If your name or address changed, this could cause issues for payees.	Ensure any changes to your personal information are reflected on your new checks.
Assuming all banks have the same process	Confusion and delays if you expect one bank’s method at another.	Always check your current bank’s specific procedures for ordering checks.
Not ordering enough checks	Having to reorder again sooner than expected, incurring more fees/shipping.	Estimate your check usage over the next 6-12 months and order a quantity that makes sense for your needs.

Decision rules (simple if/then)

• If you have fewer than 25 checks remaining, then order new checks immediately because you risk running out soon.
• If you have a specific design in mind, then check your bank’s custom design options first because they may have it available.
• If you are ordering through your bank’s website, then ensure you are on the official, secure site (look for HTTPS) because this protects your financial information.
• If you have moved recently, then double-check your shipping address before submitting your order because old addresses can lead to lost checks.
• If you are unsure about the ordering process, then call your bank’s customer service line because they can guide you step-by-step.
• If you are ordering checks for business purposes, then ensure you select business checks because they have specific features like multiple stubs or company logos.
• If you need checks urgently, then inquire about expedited shipping options because standard delivery might be too slow.
• If you are ordering from a third-party printer, then verify their reputation and read reviews because quality and accuracy can vary.
• If your bank offers a mobile app, then check it for a check ordering feature because it’s often the quickest method.
• If you receive your new checks and notice an error, then do not use them and contact your bank immediately because using incorrect checks can cause problems.

FAQ

How long does it take to get new checks?

Standard processing and delivery typically take 7-14 business days, but this can vary by bank and printer. Always factor in this time when ordering.

Can I order checks online?

Yes, most banks and credit unions allow you to order checks directly through their secure online banking portals or mobile apps.

What information do I need to order checks?

You will generally need your checking account number and your bank’s routing number. Some orders may also require your driver’s license or other identification.

How much do checks cost?

The cost of checks varies widely depending on the design, quantity, and whether you order through your bank or a third-party printer. Basic checks are usually more affordable.

Can I order checks if I don’t have an account with the bank?

Generally, no. You must be an account holder with the financial institution to order checks for that account.

What if my name or address has changed?

When ordering, ensure you provide your current legal name and shipping address. Your bank will update your information for future check orders.

Can I order duplicate checks?

Yes, many banks and printers offer duplicate (two-part) or triplicate (three-part) checks, which provide a carbon copy for your records.

What should I do with old checks?

Shred old checks to protect your account information. Do not simply throw them away.

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

• Setting up a new checking account: This guide assumes you already have an account and need to reorder checks.
• Advanced check features for businesses: For specialized needs like business logos, specific security features, or voucher checks, consult your bank’s business services.
• Digital payment alternatives: While checks are still used, exploring options like Zelle, Venmo, or direct bill pay might offer more convenience for some transactions.
• Managing overdraft protection: This is a separate banking service that is not directly related to ordering checks.
• Opening or managing savings accounts: This article focuses specifically on checking account needs related to physical checks.