Thinking about ordering new checks for your Wells Fargo account, but unsure about the cost? You're not alone! Many people wonder about the fees associated with checks, especially with so many digital payment options available today. While writing checks might seem like a relic of the past for some, they remain an essential tool for rent payments, certain business transactions, or when a digital transfer just won't cut it.
Let's dive into the details of Wells Fargo check costs and how to navigate the ordering process.
Understanding Wells Fargo Check Costs: A Step-by-Step Guide
The cost of Wells Fargo checks can vary depending on several factors, including the type of check, the quantity you order, and where you order them from. It's not always a straightforward answer, but we'll break it down.
Step 1: Are You Ready to Demystify Check Pricing?
Before we get into the nitty-gritty of prices, let's consider your needs. Do you need a standard personal checkbook for occasional use, or are you a business owner requiring larger quantities and specific features? Understanding your usage will help you make the most cost-effective choice.
Step 2: Exploring Your Ordering Options
Wells Fargo offers a few ways to order checks, each with its own potential pricing structure.
Sub-heading: Ordering Directly Through Wells Fargo
This is often the most straightforward option, especially for your initial order or if you prefer the convenience of dealing directly with your bank.
You can typically order checks through Wells Fargo in the following ways:
- Online: Sign on to Wells Fargo Online® and navigate to the "Order Checks & Currency" section. This is generally the easiest and quickest method.
- By Phone: For personal accounts, you can call 1-800-TO-WELLS (1-800-869-3557). For business accounts, you might be directed to Harland Clarke Corp. at 1-800-237-8982, a common check printer for many financial institutions.
- In Person: Visit a Wells Fargo branch. A banker can assist you with placing an order.
Cost Considerations When Ordering Directly from Wells Fargo:
While Wells Fargo doesn't publicly list a comprehensive pricing guide for all check styles and quantities on their main website, it's generally understood that:
- Standard personal checks will have a fee. Some reports indicate costs can range, with some users noting charges upwards of $100 for a business checkbook of 250 checks, or personal checks costing around $7-$15 for a basic box.
- Some premium or specialized accounts might offer free standard checks. It's crucial to check your specific account's Consumer Fee and Information Schedule or speak with a banker to see if this applies to you. For example, the Prime Checking account at Wells Fargo mentions "no fee for personal checks."
- Cashier's Checks: These are different from personal checks. Wells Fargo charges a fee of $10 per cashier's check. If ordered online for delivery, there might be an additional $8 delivery charge.
- Money Orders: These are also distinct from personal checks. Wells Fargo charges $5 per money order (up to $1,000).
Sub-heading: Ordering from Third-Party Vendors
This can often be a more budget-friendly option, especially for standard personal checks.
Many reputable online check printing companies specialize in providing checks at a lower cost than banks. These companies often work with the same manufacturers that banks use, ensuring quality and security features.
Cost Considerations When Ordering from Third-Party Vendors:
- Prices can vary significantly between different third-party providers.
- You might find standard checks for as low as $0.05 to $0.24 per single check. Duplicate checks (with carbon copies) may range from $0.08 to $0.31 per check.
- Many third-party sites frequently offer discounts, coupon codes, and free shipping promotions, making them even more attractive.
- Custom designs, unique fonts, or security features can increase the price.
Important Note: When ordering from a third-party vendor, ensure they are reputable and use secure printing practices. You'll need your Wells Fargo account number and routing number, which are sensitive pieces of information.
Step 3: Understanding Factors Affecting Check Pricing
Beyond where you order, several other elements influence the final price of your checks.
Sub-heading: Quantity Matters
Generally, the more checks you order at once, the lower the per-check cost will be. Ordering a larger box (e.g., 200 or 400 checks) is usually more economical than ordering smaller quantities.
Sub-heading: Check Style and Design
Basic, standard checks are always the least expensive option. If you opt for checks with:
- Custom designs: Images, elaborate backgrounds, or themed designs.
- Unique fonts or monograms: Personalizing your checks beyond the standard.
- Specialty features: Such as carbon copies (duplicate checks), which typically cost more than single checks.
- Business checks: These can be more expensive than personal checks due to their specialized formatting and often higher security features.
...you can expect the price to increase significantly.
Sub-heading: Shipping and Handling
Don't forget to factor in shipping and handling charges, especially when ordering online. Some third-party vendors offer free shipping, while others might have a flat fee. Wells Fargo may also charge for delivery of certain check types.
Step 4: Comparing and Saving
Now that you understand the variables, here's how to get the best deal:
- Check your Wells Fargo account benefits: As mentioned, some accounts offer free checks. This should be your first point of inquiry.
- Get quotes from Wells Fargo: Contact Wells Fargo directly (online, phone, or in-branch) to get a specific quote for the type and quantity of checks you need.
- Compare with reputable third-party printers: Research several online check printing companies. Look for those with good reviews and clear pricing structures.
- Look for discounts and promotions: Both Wells Fargo and third-party vendors may offer promotional pricing. Keep an eye out for coupon codes.
- Consider basic designs: If cost is your primary concern, stick to standard, no-frills designs.
By following these steps, you'll be well-equipped to determine the most cost-effective way to get the Wells Fargo checks you need.
10 Related FAQ Questions
How to Order Wells Fargo Checks Online?
You can order checks online by signing in to Wells Fargo Online® and navigating to the "Order Checks & Currency" section.
How to Reorder Wells Fargo Checks?
Reordering checks through Wells Fargo is typically done via the same online portal or by calling their customer service number, as your account information will already be on file.
How to Get Free Checks from Wells Fargo?
Some Wells Fargo checking accounts, like the Prime Checking account, may offer free personal checks. Review your specific account's fee schedule or contact a banker to see if this benefit applies to you.
How to Find My Wells Fargo Routing and Account Number for Ordering Checks?
Your routing and account numbers are typically found on your existing checks, on your bank statements, or by logging into Wells Fargo Online.
How to Order Wells Fargo Business Checks?
Business checks can often be ordered through Wells Fargo Online or by contacting their business banking support, which may direct you to a preferred vendor like Harland Clarke Corp.
How to Get Custom Wells Fargo Checks?
Custom checks with specific designs or images can be ordered through Wells Fargo's designated check ordering portal (often powered by a third-party printer) or directly from a reputable third-party check printer.
How to Stop Payment on a Wells Fargo Check?
You can place a stop payment on a check by signing in to Wells Fargo Online, calling their customer service, or visiting a branch. Fees may apply for stop payments.
How to Get a Cashier's Check from Wells Fargo and What Does It Cost?
Cashier's checks can be obtained online (for amounts up to $2,000) or in person at a Wells Fargo branch. The fee is generally $10 per cashier's check, with an additional delivery fee for online orders.
How to Purchase a Money Order from Wells Fargo and What Does It Cost?
Money orders (up to $1,000) can be purchased at any Wells Fargo location for a fee of $5 each.
How to View Images of My Cleared Wells Fargo Checks Online?
You can view images of checks that have posted to your account by signing on to Wells Fargo Online and clicking the icon next to the check number on the Account Details page.
