What Is the Average Cost of New Checkbooks?

Quick answer

• The cost of new checkbooks varies significantly, typically ranging from $15 to $60 for a single box of 100 checks.
• Prices depend on the bank, the design of the checks, and whether you order directly from the bank or a third-party vendor.
• Basic, unadorned checks are usually the most affordable option.
• Custom designs, special features (like security options), or bulk orders can increase the price.
• Many banks offer a first order of checks for free or at a discounted rate.
• Consider digital payment methods as an alternative to reduce or eliminate check-ordering costs.

Who this is for

• Individuals who still regularly write checks for bills, payments, or gifts.
• People looking to understand the potential expenses associated with maintaining a checking account that requires physical checks.
• Budget-conscious consumers seeking ways to minimize or avoid unnecessary banking fees and costs.

What to check first (before you act)

Your banking relationship and current offers

Before ordering new checks, check with your current bank. Many financial institutions offer a complimentary first order of basic checks when you open a new account or as a promotional perk. Even if they don’t offer free checks, they will have their standard pricing for check reorders. Knowing this baseline is crucial for comparison.

Your actual need for checks

Reflect on how often you truly use physical checks. If you rarely write them, perhaps a single box is sufficient, or maybe it’s time to transition to more modern payment methods. Overestimating your need can lead to unnecessary expense.

Potential for digital alternatives

Explore your bank’s online and mobile banking options. Many bills can be paid electronically, and services like Zelle or other peer-to-peer payment apps can handle person-to-person transfers without checks. If you can shift most of your payments to digital, you might save money in the long run.

Your bank’s third-party check printing partners

Some banks outsource check printing to third-party companies. These companies often have websites where you can order checks directly. While this might seem like an extra step, it can sometimes lead to better pricing or a wider selection of designs than ordering directly through your bank’s customer service.

Step-by-step (simple workflow)

Step 1: Assess your check usage

What to do: Review your past few months of bank statements. Count how many checks you’ve written and how many you anticipate writing in the next year.
What “good” looks like: A clear understanding of whether you need a large quantity of checks or just a small box.
A common mistake and how to avoid it: Assuming you need the largest quantity available. Avoid this by being realistic about your actual needs; buying too many can lead to waste if your payment habits change.

Step 2: Contact your bank

What to do: Call your bank’s customer service or visit a local branch. Inquire about their pricing for new check orders, including any standard designs and bulk discounts. Ask if they offer a free first order or any promotions.
What “good” looks like: You have a clear price quote from your bank for a box of checks and know about any included perks.
A common mistake and how to avoid it: Not asking about a first-time customer discount or new account offer. Avoid this by always inquiring about any available promotions before agreeing to a price.

Step 3: Research third-party check printers

What to do: Search online for “check printing services” or “discount checks.” Look for reputable companies that partner with banks or offer checks compatible with most banking systems.
What “good” looks like: You have a list of potential third-party vendors with their prices for comparable check styles.
A common mistake and how to avoid it: Ordering from the first search result without comparing prices or checking reviews. Avoid this by visiting at least 2-3 different vendor sites to compare pricing and offerings.

Step 4: Compare designs and features

What to do: Look at the available check designs and any extra features offered by both your bank and third-party vendors. Consider basic designs versus themed or personalized checks, and check for security features.
What “good” looks like: You understand how design choices and added features impact the price.
A common mistake and how to avoid it: Automatically opting for the most elaborate or personalized design without considering its cost. Avoid this by prioritizing functionality and cost-effectiveness unless a specific design is essential.

Step 5: Factor in shipping costs

What to do: When comparing prices from third-party vendors, make sure to include shipping fees in your total cost calculation. Banks often include shipping or have it built into their overall price.
What “good” looks like: You have a true total cost for each option, including all associated fees.
A common mistake and how to avoid it: Forgetting to add shipping costs from online vendors, leading to a surprise increase in the final price. Avoid this by always looking for the “total cost” or “checkout price” before making a decision.

Step 6: Consider the quantity

What to do: Decide whether to buy a single box (often 100 checks) or a double box (often 200 checks). Double boxes usually offer a lower per-check price.
What “good” looks like: You’ve chosen a quantity that balances cost savings with your anticipated usage.
A common mistake and how to avoid it: Buying a quantity that is too large and then not using all the checks. Avoid this by sticking to your initial assessment of usage from Step 1.

Step 7: Place your order

What to do: Once you’ve compared options and made a decision, place your order through your chosen bank or third-party vendor. Ensure you have your account and routing numbers correct.
What “good” looks like: Your order is successfully placed, and you have a confirmation number.
A common mistake and how to avoid it: Entering incorrect bank account or routing numbers, which can lead to processing delays or incorrect check printing. Avoid this by carefully double-checking these numbers before submitting your order.

Step 8: Track delivery

What to do: Keep an eye on the estimated delivery time. Checks are typically mailed and can take 1-3 weeks to arrive.
What “good” looks like: Your checks arrive within the expected timeframe.
A common mistake and how to avoid it: Not ordering in advance, leading to a need for checks before they arrive. Avoid this by ordering well before you anticipate running out.

Common mistakes (and what happens if you ignore them)

Mistake	What it causes	Fix
Not checking for free first orders	Paying for checks you could have received for free.	Always ask your bank about introductory offers or free check promotions.
Overestimating check needs	Wasting money on unused checks, especially if styles change or you stop using them.	Accurately assess your usage before committing to a large quantity.
Buying the most expensive, decorated checks	Unnecessary spending for a functional item.	Opt for basic, secure designs unless a special design is a high priority and fits your budget.
Not comparing third-party vendor prices	Paying more than necessary by not shopping around.	Get quotes from multiple online check printers and your bank.
Forgetting to add shipping costs	Underestimating the total cost of online orders.	Always factor in shipping fees when comparing prices from third-party vendors.
Ordering checks with incorrect account numbers	Checks will be unusable, leading to delays and potential fees.	Double-check your routing and account numbers before submitting your order.
Waiting until the last minute to order	Needing to pay for expedited shipping or facing delays in payments.	Order new checks at least a month before you expect to run out.
Not considering digital payment alternatives	Continuing to pay for checks when more cost-effective digital methods exist.	Explore your bank’s online bill pay, P2P payment apps, or other digital options.
Assuming all checks are the same	Missing out on better security features or designs at comparable prices.	Review the security features and design options offered by different vendors.
Not checking for bulk discounts	Paying a higher per-box price when a better deal is available for larger orders.	Inquire about discounts for ordering multiple boxes, even if you don’t need them all immediately.

Decision rules (simple if/then)

• If you rarely write checks (less than 5 per month), then consider buying only a single box of 100 checks, because larger quantities might go unused.
• If your bank offers a free first box of checks, then accept it because it’s a cost-saving opportunity.
• If you are opening a new account, then inquire about any new customer check offers because these can significantly reduce your initial cost.
• If you find a third-party vendor with a significantly lower price for basic checks, then compare their shipping costs and return policies carefully because the cheapest upfront price might not be the best overall value.
• If you need checks for business purposes, then prioritize security features and consider specialized business checks because they often have more robust security measures and different layouts.
• If you are looking for unique designs, then be prepared to pay a premium because custom or themed checks typically cost more than standard ones.
• If your bank’s pricing for checks seems unusually high, then explore reputable third-party online printers because they often offer more competitive pricing.
• If you want to minimize future check-ordering costs, then explore your bank’s digital payment options for bills and person-to-person transfers because these can reduce your reliance on physical checks.
• If you plan to order a large quantity (e.g., 200+ checks), then look for bulk discounts because the per-check price is usually lower.
• If you are unsure about a third-party vendor’s legitimacy, then look for reviews and check if they are recommended by your bank or a trusted financial resource because this helps avoid scams.

FAQ

How much does a box of checks typically cost?

A standard box of 100 checks usually costs between $15 and $60. The price can vary based on the bank, the check design, and the vendor.

Are checks from third-party vendors cheaper than bank checks?

Often, yes. Third-party printers can sometimes offer lower prices than ordering directly through your bank, especially for basic check designs.

Do banks offer free checks?

Many banks provide a free first order of checks when you open a new account or as a promotional offer. It’s always worth asking your bank about these possibilities.

What affects the price of checks?

The price is influenced by the design complexity, personalization options, security features (like watermarks or special inks), quantity ordered, and whether you buy from your bank or a third-party vendor.

Should I buy a single box or a double box of checks?

A double box (typically 200 checks) often has a lower per-check cost, making it more economical if you use checks regularly. If you use checks infrequently, a single box might be more practical to avoid waste.

Can I get checks with custom designs?

Yes, most banks and many third-party vendors offer a range of customizable designs, from scenic landscapes to personal photos. These usually come at a higher price point.

What are check security features?

These are measures to prevent fraud, such as microprinting, watermarks, security screens, and tamper-evident features. Checks with more advanced security features may cost more.

How long does it take to get new checks?

Delivery times can vary. It typically takes 1-3 weeks for checks to be printed and mailed to you after you place your order.

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

• Specific bank policies and pricing: This article provides general cost ranges. For exact pricing and policies, you must check directly with your financial institution.
• Business check requirements: This guide focuses on personal checks. Business checks may have different features, security needs, and pricing structures.
• The future of payments: While digital payments are mentioned as an alternative, a deep dive into the evolution of payment technology and its long-term implications is beyond the scope here.

Next steps:

• Explore your bank’s digital payment and bill pay services.
• Research business banking options if you need checks for commercial purposes.
• Investigate budgeting apps and tools to track your spending and payment methods.