You're wondering about the cost of checks from Chase Bank, and you've come to the right place! It's a common question, and the answer isn't always a simple one-liner, as it can depend on your account type and where you choose to order them from. But don't worry, we'll break it down step-by-step to help you understand all your options and potentially save some money.
Understanding the Cost: How Much Are Chase Bank Checks?
Let's dive into the details of getting checks for your Chase Bank account.
Step 1: Are You Eligible for Free Checks? Let's Find Out!
Before we even talk about prices, the first and most important step is to determine if your specific Chase checking account qualifies for free checks. Many people overlook this, and it could save you a significant amount of money!
Check Your Account Type: Chase offers various checking accounts, and some of their premium accounts, like Chase Sapphire® Checking or Chase Private Client Checking℠, often include free standard checks as a perk.
Review Your Account Agreement: The easiest way to confirm is to log in to your Chase online banking, go to your account details, and look for your Deposit Account Agreement or Fees for Personal Accounts document. This document outlines all the services and fees associated with your specific account. You can also find this on the Chase website or by calling customer service.
Look for Special Promotions: Sometimes, Chase offers promotions for new account holders that might include a free first box of checks.
If your account qualifies for free checks, congratulations! You've already saved yourself some cash. You can likely order them directly through the Chase website or app (as outlined in Step 2).
Step 2: Ordering Checks Directly Through Chase Bank (Often via Deluxe)
If your account doesn't offer free checks, or if you prefer the convenience of ordering directly through your bank, Chase partners with a check printer, typically Deluxe, to fulfill orders.
Sub-heading: What to Expect When Ordering Directly from Chase
Cost per Check: Based on recent data, ordering standard single checks directly through Chase (powered by Deluxe) can cost around $0.38 per check for a box of 80. For duplicate checks (which provide a carbon copy for your records), the cost might be around $0.43 per check. Keep in mind these are approximate figures and can vary.
Box Quantities: Checks are usually sold in boxes, often containing 80 or 120 checks. You might find better per-check pricing when ordering larger quantities.
Convenience: Ordering directly through Chase is generally straightforward. You can usually:
Online: Log in to your Chase online banking or use the Chase Mobile® app. Look for "Order Checks" or "Checkbook Orders" under your checking account details. You'll typically be able to choose your design and review the cost before confirming.
In-Branch: Visit any Chase branch, and a banker can assist you with placing an order. This is also a good option if you need "counter checks" for immediate use (more on this below).
By Phone: Call Chase customer service, and they can guide you through the process.
Design Options: While ordering through Chase/Deluxe, you'll have a selection of standard and sometimes specialized check designs. Customization options for fonts and colors might also be available.
Shipping: Standard shipping often takes 10-14 business days. Expedited shipping is usually an option for an additional fee if you need them sooner.
Step 3: Exploring Third-Party Check Providers for Potential Savings
Did you know you don't have to order checks directly from your bank? Many third-party check printing companies offer more competitive pricing, especially if your Chase account doesn't provide free checks.
Sub-heading: Popular Third-Party Options and How They Compare
Here's a general idea of what some non-bank providers might charge for standard single checks, based on market research:
Walmart, Sam's Club, Costco: These large retailers often have partnerships with check printers and can offer very low per-check prices, sometimes as low as $0.05 to $0.09 per check when buying in bulk.
Online Check Printers (e.g., Checks.com, Checks in the Mail, Checks Unlimited, Vistaprint, Promise Checks): These specialized online vendors typically offer prices ranging from $0.10 to $0.24 per check. They also often have a much wider variety of designs, including personalized, scenic, and themed checks.
Sub-heading: Steps to Order from a Third-Party Provider
Gather Your Information: You'll need your Chase bank account number and the routing number. Both can be found on your existing checks, in your online banking account, or on your monthly statements.
Compare Prices: Shop around! Visit the websites of several third-party providers. Look at the total cost for the number of checks you need, including shipping and any potential handling fees.
Look for Deals and Promo Codes: Many online check printers frequently offer discounts or promo codes for new customers or bulk orders. A quick search for "[provider name] coupon code" can yield significant savings.
Verify Security Features: Ensure the checks you order from a third-party provider include standard security features to prevent fraud. Reputable companies will highlight these features.
Place Your Order: Follow the provider's instructions to enter your bank information, select your design, and complete your purchase.
Step 4: Understanding Other Check-Related Costs (Beyond Personal Checks)
While we're focusing on personal checks, it's worth noting other check-related services and their potential costs at Chase.
Sub-heading: Counter Checks and Cashier's Checks
Counter Checks: If you need a few checks immediately and don't want to order a whole box, Chase branches can often provide "counter checks." These are typically plain checks with your account information, printed on the spot. They usually come in sheets of 3, and there's often a small fee, such as $3 per sheet, for this service. Some premium accounts might have this fee waived.
Cashier's Checks: These are checks guaranteed by the bank, often used for large purchases like real estate transactions. Chase generally charges a fee for cashier's checks, typically around $10 per check. Again, certain premium accounts may have this fee waived. It's always best to check with a Chase representative for the most current fee.
Money Orders: Similar to cashier's checks but for smaller amounts, money orders typically cost around $5 per check at Chase, though this can also be waived for certain account types.
Step 5: Strategies for Minimizing Check Costs
Go Digital Where Possible: Many transactions that traditionally required a check can now be done digitally. Consider using online bill pay, Zelle®, or direct transfers whenever possible to reduce your reliance on paper checks.
Order in Bulk: If you anticipate needing checks for a while, ordering a larger quantity (e.g., two boxes instead of one) often results in a lower per-check cost.
Leverage Account Perks: As mentioned in Step 1, if you have a premium Chase checking account, make sure you're taking advantage of any free check benefits.
Explore Discount Codes: When using third-party providers, always search for coupons or promotional offers before finalizing your purchase.
Consider a Different Account Type (Long-Term): If you frequently need checks and are consistently paying fees, and you meet the balance requirements, upgrading to a Chase account that offers free checks could be a long-term cost-saving strategy.
10 Related FAQ Questions
Here are 10 frequently asked questions about Chase Bank checks, with quick answers:
How to get free checks from Chase Bank?
You may get free checks if you have a premium account like Chase Sapphire® Checking or Chase Private Client Checking℠. Check your Deposit Account Agreement or ask a Chase representative to confirm your eligibility.
How to order checks online from Chase?
Log in to your Chase online banking or mobile app, navigate to your checking account details, and look for an "Order Checks" or "Checkbook Orders" option. Follow the prompts to select your design and quantity.
How to find my Chase bank account and routing number for ordering checks?
Your account number and routing number are printed on your existing checks. You can also find them by logging into your Chase online banking account or on your monthly bank statements.
How to get counter checks from Chase?
Visit any Chase bank branch, and a banker can provide you with temporary "counter checks" on the spot. There's typically a small fee per sheet.
How to save money when buying Chase checks?
Compare prices from third-party check providers (like Walmart, Sam's Club, or online printers) against Chase's pricing. Look for discount codes and consider ordering in bulk.
How to know if my Chase account includes free checks?
Refer to your specific Chase checking account's Deposit Account Agreement or contact Chase customer service. Accounts like Chase Sapphire® Checking often include this benefit.
How to expedite shipping for Chase checks?
When ordering checks directly through Chase or a third-party provider, you will usually have an option for expedited shipping at an additional cost.
How to order duplicate checks for Chase Bank?
Both Chase (via Deluxe) and most third-party check providers offer the option to order "duplicate checks," which provide a carbon copy of each check you write. Select this option during the ordering process.
How to verify the security features of checks ordered from a third party?
Reputable third-party check printers will list the security features included in their checks, such as chemical protection, microprint, or holograms, on their website. Ensure these are present for your protection.
How to avoid using checks altogether if I have a Chase account?
Utilize Chase's online banking features for bill pay, use Zelle® for person-to-person payments, or set up direct transfers to move money between accounts or to other individuals/businesses.
