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How to find cheap checks

These are the three major places where you can find cheap checks.

Updated

If you’re out of checks and your financial institution doesn’t offer free or cheap checks, you have other options. Explore our guide on how to find checks that won’t break the bank.

Where to order cheap checks online

There are generally three places you can go to order cheap checks: a major retailer, your bank or an online printer. While shipping costs will vary, we’ve rounded up the cheapest standard checks in each of these three categories.

Major retailers

RetailerSingle check cost Duplicate check cost Shipping deliveryChecks offered
Costco
  • $16.66 for 492 checks (Gold Star and Business Members)
  • $13.33 for 492 checks (Executive Members)
  • $16.89 for 348 checks (Gold Star and Business Members)
  • $13.51 for 348 checks (Executive Members)
Up to 4 to 19 business days
  • Personal
  • Business
  • Quickbooks
Sam’s Club
  • $13.20 for 480 checks
  • $13.96 for 360 checks
14 business days
  • Personal
  • Business
  • High security
  • Personalized
Walmart
  • $7.46 for 150 checks
  • $8.46 for 150 checks
Up to 12 business days
  • Personal
  • Business
  • High Security
  • Personalized

Online printers

Online retailerSingle check costDuplicate check costShipping deliveryChecks offered
ASAP Checks$10 for 200 checksN/A1 to 2 business days
  • Personal
  • Business
  • Quickbooks
  • Laser
  • Computer
  • Quicken
Bradford Exchange$19.95 for 100 checks $22.95 for 100 checks4 to 15 business days
  • Personal
  • Business
Check Advantage$14.65 for 150 checks$17.80 for 120 checks11 to 15 business days
  • Personal
  • Business
Checkworks$9.99 for 125 checks$14.99 for 125 checks1 day to 4 weeks
  • Personal
  • Business
  • Laser
Checks.com$4.95 for 100 checks$5.95 for 100 checks5 to 15 business days
  • Personal
  • Business
Checks in the Mail$21.25 for 100 checks$25.25 for 100 checks6 to 14 business days
  • Personal
  • Business
Promise Checks$6.95 for 125 checks$9.95 for 100 checks$9.95 for 100 checks
  • Personal
  • Business
Checks Unlimited$18.99 for 100 checks$22.99 for 100 checks2 to 15 business days
  • Personal
  • Business
  • Personalized
Vistaprint$13.29 for 150 checks$18.03 for 150 checksUp to 8 business days
  • Personal
  • Business
  • Quickbooks

Banks and credit unions

BankCostShipping costChecks offered
HSBC Advance CheckingFree checksFreePersonal
Umpqua Attain CheckingFree checksFreePersonal
U.S. Bank Student CheckingFirst order of checks freeFreePersonal
M&T Bank MyChoice Premium CheckingFree checksFreePersonal
Discover Cashback DebitFree checksFreePersonal
Axos Bank Business Interest CheckingFirst order of checks freeFreeBusiness
Ally BankFree checksFreePersonal
Charles Schwab BankFree checksFreePersonal
Bank 5 ConnectFirst order of checks freeFreePersonal
USAA FreeFreePersonal

Compare checking accounts with free checks

Name Product Fee ATM transaction fee Overdraft fee Nonsufficient funds fee Foreign transaction fee
HSBC Advance Checking
$25 per month
(can be waived)
$0
$35
$35
3%
Get up to $270 (max. $50 per month) for eligible new customers who open an HSBC Advance checking account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
USAA Classic Checking
$0
$0
$29
$29
1%
An online checking account means no driving around town, no waiting in line and no bankers' hours.
Umpqua Attain Checking
$20 per month
(can be waived)
$0
$35
$35
2%
Easy banking for complicated lives.
U.S. Bank Student Checking
$0
$0
$36
$36
A checking account can be a safe, convenient place to stash the cash you need for bills and other expenses.
M&T Bank MyChoice Premium Checking
$24.95 per month
(can be waived)
$0
$38.50
3%
Get up to $250 if you open a MyChoice Premium M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
Discover Cashback Debit
$0
$0
$0
$0
Earn 1% cash back on up to $3,000 in debit card purchases each month.
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Compare up to 4 providers

How to get cheap checks

If you want to order the cheapest checks possible, follow these simple strategies:

  • Check your bank. Many banks are starting to offer free checks with accounts. Before you explore your options online, reach out to a customer service representative and see if you can get free checks through your bank.
  • Look for promo codes. Search for promo codes online and see if any stores are offering discounts for ordering checks.
  • Bulk order checks. You’ll typically get a volume discount if you order several boxes of checks at once.
  • Choose simple designs. Skip the personalized checks and opt for the basic style. It may not be as pretty to look at, but it’ll save you a decent chunk of change.

What to consider when buying cheap checks

When ordering checks online, you’re required to enter sensitive information such as your account number and bank routing number. Safeguard against potential scams and protect your financial information by following these guidelines:

  • Look for the CPSA certification. This certification ensures that the company produces checks that comply with the CPSA’s strict security regulations. Look for this certification icon on the company’s website before you buy any checks.
  • Buy from a reputable source. If you’re thinking about ordering checks from a site you’ve never heard of, look for customer reviews on sites like the Better Business Bureau, Consumer Affairs or Trustpilot.
  • Get trackable shipping. You don’t want your sensitive information getting into the wrong hands, so make sure you choose a printer that offers trackable shipping — that way you know if your checks get misplaced. Some places offer cheap checks with free shipping, but you may have to pay extra for a tracking number. Even if you do, the added peace of mind may be worth the extra cost.
  • Make sure your checks are certified. To see if a check is certified by the CPSA, look for the padlock icon next to the Amount box on the check. If the padlock is there, you know it’s a certified check.

Fees to consider

There are a few fees to look out for when ordering and using checks:

  • Check printing fee. Printing checks can get expensive quickly. Compare the cost of getting checks through your bank versus a major retailer or online printer to see which one is cheaper.
  • Per check fee. Although not common, some banks may charge a fee each time you write a check or write more than a certain number of checks in a given time period.
  • Overdraft fee. If you write a check that brings your account balance below $0, your bank will likely return the check and charge you a fee. Depending on the bank, overdraft fees are typically $35.
  • Stop payment fee. If you lose a check or need to cancel it after it’s already been sent, you can request a stop payment. But the bank will charge you a fee.

What you need to order checks online

If you order checks through your bank, the only thing you may need to do is update your address if it changed. But if you order them online through a major retailer or online printer, make sure you have the following information on hand:

  • Personal information, including your name and address
  • Bank name and address
  • Account number
  • Routing number
  • Account type — personal or business

Bottom line

Although ordering checks from your bank may be the most convenient option, it may not be the most cost-effective. Ordering checks from a major retailer or online printer can be a great alternative. But make sure you buy from a reputable source that’s CPSA certified and offers trackable shipping.

As always, if you’d rather stick with buying checks from your bank, compare checking account options until you find one that offers cheap checks.

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