It's great you're looking into the costs of checks with Truist! While the exact pricing can sometimes vary based on your account type and where you order them, I can certainly give you a very detailed, step-by-step guide to understanding "how much are checks at Truist" and how to minimize those costs.
Let's dive in!
Understanding the Cost of Checks at Truist: A Comprehensive Guide
Getting a new checkbook might seem like a small detail in your financial life, but understanding the associated costs and options can save you money and hassle. Truist, like many banks, has different policies and pricing based on your account type and how you order. This guide will walk you through everything you need to know.
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| How Much Are Checks At Truist |
Step 1: Are You Eligible for Free Checks? Let's Find Out Together!
The very first step, and often the most exciting one, is to determine if you might be eligible for free checks! Truist offers this perk for certain account types, and it's worth checking before you spend a dime.
Tip: Don’t just glance — focus.
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Sub-heading: Check Your Account Type
- Truist One Checking: For many Truist One Checking accounts, especially those at higher "levels" (Level 3, Level 4, and Level Premier), you might be eligible for free reorders of checks after your initial order (which is often a free 10-pack). It's designed to reward higher balances or more extensive banking relationships.
- Truist Wealth Checking & Truist Wealth Money Market: If you have these accounts and maintain a significant balance (e.g., $1,000,000 or more in qualifying personal investments with Truist), you may also receive checks at no charge.
- Business Checking Accounts: For business accounts, Truist often offers a discount on the first order of checks. For example, Simple Business Checking and Community Business Checking might get a $25 discount, while Dynamic Business Checking could see a $50 discount on the first order or intro pack.
- Other Accounts: It's always best to consult your specific account's fee schedule or disclosure. These documents are the definitive source for what your account offers. You can usually find these on the Truist website (look for "Personal Deposit Accounts Fee Schedule" or "Business Deposit Accounts Fee Schedule") or by contacting customer service.
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Sub-heading: First-Time Order vs. Reorder
- Truist often provides a free "introductory" 10-pack of checks for new personal checking accounts, such as Truist One Checking. Make sure to claim this if you're a new customer!
- Subsequent reorders are where the fees typically come into play, unless your account type specifically waives them as mentioned above.
Step 2: Understanding the Different Ways to Order Checks
Once you have an idea of your eligibility, the next step is to choose how you want to order your checks. Each method has its own process and can sometimes have subtle differences in pricing or options.
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Sub-heading: Ordering Online through Truist
- This is often the most convenient method.
- Process:
- Sign in to Truist Online Banking.
- Navigate to the "Accounts" section.
- Look for an option like "Order Checks" or "Order Checks & Supplies."
- You will likely be redirected to a third-party check printer's website, such as Deluxe.
- Follow the prompts to select your check design, quantity, and any other features.
- Crucially, if you are eligible for a discount or free checks, ensure the discount is applied at checkout. Sometimes, you may need to look for an "Exclusives" section or apply a specific promo code if one is provided by Truist.
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Sub-heading: Ordering by Phone
- If you prefer speaking to someone or encounter issues online, ordering by phone is a good alternative.
- For Personal Accounts:
- First-time orders: Call Truist directly at 844-4TRUIST (844-487-8478).
- Check reorders: Call Deluxe at 877-838-5287.
- For Business Accounts (First-time and Reorders): Call Deluxe at 800-559-6134.
- When calling, have your Truist routing number and account number ready. The representative will guide you through the process and inform you of any applicable fees.
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Sub-heading: Ordering In-Person at a Truist Branch
- While less common for simple reorders, visiting a branch can be helpful if you have complex needs, want to see samples, or prefer direct assistance.
- A branch representative can help you place an order and confirm pricing on the spot.
Step 3: Deciphering the Potential Costs and Factors Affecting Price
Now, let's talk about the numbers. The actual cost of checks can vary based on several factors, including the vendor, design, and quantity.
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Sub-heading: Base Price of Checks
- Truist itself doesn't directly sell the checks; they partner with a check printing company (commonly Deluxe).
- The base price will depend on the style of checks you choose (e.g., standard, scenic, custom photo checks, high-security checks) and the quantity (e.g., a box of 100, 200, or more).
- Expect a range. For a standard box of personal checks (e.g., 100-150 checks), prices can typically range from $15 to $35 or more, depending on the vendor and features. Duplicate checks (which create a carbon copy) are usually slightly more expensive than single checks.
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Sub-heading: Design and Security Features
- Plain vs. Decorative: Simple, generic checks will be the least expensive. If you opt for designs with landscapes, animals, or even custom photos, the price will increase.
- High-Security Checks: These checks include advanced features to prevent fraud, such as holograms, heat-sensitive ink, and special paper. They offer greater peace of mind but come at a higher cost.
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Sub-heading: Shipping and Handling Fees
- Don't forget to factor in shipping and handling! Sometimes, online check printers offer "free shipping" promotions, but often there's a charge, especially for expedited delivery. This can add a few extra dollars to your total.
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Sub-heading: Potential Discounts and Waivers
- As mentioned in Step 1, keep in mind:
- First-time order discounts: Many accounts offer a free small pack or a discount on your initial order.
- Account-based waivers: Higher-tier checking accounts or premier banking relationships might waive all check order fees.
- Business account discounts: Specific discounts apply to the first order of business checks.
- Always confirm these with Truist or the check printing vendor before finalizing your order.
- As mentioned in Step 1, keep in mind:
Step 4: Tips for Saving Money on Your Truist Checks
Nobody likes to pay more than they have to. Here are some smart ways to minimize the cost of your checks.
QuickTip: Slow scrolling helps comprehension.
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Sub-heading: Leverage Account Benefits
- Review Your Account Tier: If you have a Truist One Checking account, check if you're in a higher tier (Level 3, 4, or Premier) that offers free check reorders.
- Utilize First-Time Offers: If you're a new account holder, be sure to take advantage of any free introductory check offers.
- Consider Upgrading (Carefully): While not solely for checks, if you're close to meeting the requirements for a higher-tier account that does offer free checks and other benefits you'd use, it might be worth exploring an account upgrade. However, always weigh the benefits against any potential higher monthly maintenance fees for the new account.
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Sub-heading: Order Plain and Simple
- If aesthetics aren't a priority, opt for the most basic check design. Decorative or specialty checks significantly increase the price.
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Sub-heading: Order in Larger Quantities (If You Use Them!)
- While a larger upfront cost, ordering more checks at once often results in a lower per-check cost. This only makes sense if you anticipate using a significant number of checks before they expire (which is usually a long time, but still a consideration).
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Sub-heading: Compare Online Vendors (with Caution)
- While Truist directs you to their preferred partner (Deluxe), you can technically order checks from other online vendors (e.g., Checks.com, VistaPrint Checks). These often advertise lower prices.
- Caution: Ensure the vendor is reputable and guarantees compatibility with Truist's banking system. You'll need to accurately input your Truist routing and account numbers, and ensure the checks meet industry standards. Using unofficial vendors might invalidate certain security features or make it harder to resolve issues if they arise. For peace of mind, sticking with Truist's recommended vendor is usually best, especially for your first order.
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Sub-heading: Go Paperless with Payments
- The most effective way to save on checks is to reduce your reliance on them.
- Online Bill Pay: Utilize Truist's online bill pay service for recurring payments.
- Electronic Transfers (ACH): For one-time payments to individuals or businesses, consider using Zelle® (for person-to-person transfers) or ACH transfers.
- Debit and Credit Cards: For everyday purchases, your debit or credit card is generally more convenient and secure than writing a check.
Step 5: Confirming Your Order and What to Expect
You've placed your order, now what? Here's what to keep in mind.
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Sub-heading: Order Confirmation
- You should receive an email confirmation from the check printing company (e.g., Deluxe) with your order details and estimated delivery date. Keep this for your records.
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Sub-heading: Delivery Timeframe
- Standard check orders typically take 7-14 business days to arrive. Expedited shipping options are usually available for an extra fee if you need them sooner.
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Sub-heading: What's Included in Your Check Order
- Your check order will typically include:
- The printed checks.
- A deposit slip booklet.
- A check register to help you track your spending.
- Your check order will typically include:
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Sub-heading: Verifying Your Information
- Once you receive your checks, carefully verify that your name, address, account number, and Truist's routing number are correct. Mistakes can lead to issues with your payments.
10 Related FAQ Questions
Here are some common questions about ordering checks from Truist, with quick answers:
How to get free checks from Truist? You may get free checks if you have a Truist One Checking account at a higher tier (Level 3, 4, or Premier), a Truist Wealth Checking/Money Market account with high balances, or as part of a first-time account opening offer (often a 10-pack).
QuickTip: Pause when something feels important.
How to order checks online for Truist? Sign in to Truist Online Banking, go to your account details, and look for "Order Checks" or "Order Checks & Supplies." You will be directed to their check printing partner's website (usually Deluxe).
How to reorder checks for Truist by phone? For personal check reorders, call Deluxe at 877-838-5287. For business check reorders, call Deluxe at 800-559-6134.
How to find my Truist routing number for checks? Your Truist routing number is typically the first set of numbers printed at the bottom left of your existing checks. You can also find it in your online banking portal or on the Truist website.
QuickTip: Highlight useful points as you read.
How to find my Truist account number for checks? Your account number is the second set of numbers printed at the bottom of your checks, located to the right of the routing number. It's also available in your Truist online banking or on your monthly statements.
How to stop payment on a check at Truist? You can usually place a stop payment order through Truist online banking, by calling customer service (844-4TRUIST), or by visiting a branch. There is typically a fee for this service (e.g., $35).
How to verify my check order with Truist? Once you receive your checks, carefully check your name, address, account number, and routing number to ensure accuracy. If you ordered through Deluxe, you might also be able to track your order on their website.
How to get a temporary check from Truist? If you need a check immediately and are waiting for your ordered checks to arrive, you can usually request a counter check or a temporary check from a Truist branch. Fees may apply.
How to avoid needing physical checks from Truist? Utilize online bill pay, Zelle®, direct deposit, and electronic transfers for most transactions. Many businesses and individuals accept digital payment methods, reducing the need for paper checks.
How to get a discount on Truist business checks? Truist offers discounts on the first order of business checks for new business checking accounts. For example, Simple Business Checking and Community Business Checking often get a $25 discount, while Dynamic Business Checking may receive a $50 discount.
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