Navigating the world of banking fees can feel like a labyrinth, especially when it comes to something as seemingly simple as ordering checks. If you're a Wells Fargo customer and find yourself needing new checks, you're likely wondering, "How much is it to order checks from Wells Fargo?"
Let's dive in and break down the costs and processes, making it as clear and straightforward as possible. Get ready to demystify check ordering and save yourself some potential headaches (and maybe even some money!).
Step 1: Understanding the Nuances of Check Ordering Costs
Before we even get to the exact numbers, it's crucial to understand that the cost of ordering checks from Wells Fargo isn't a flat, one-size-fits-all fee. Several factors can influence the final price you'll pay.
Factors Influencing Check Costs:
- Account Type: This is arguably the most significant factor. Different Wells Fargo checking accounts come with varying fee structures. Some premium accounts, like the Prime Checking or Premier Checking accounts, might offer free personal checks as a perk, while others, like the Everyday Checking account, will typically have a fee.
- Check Style and Design: Do you want basic, no-frills checks, or are you eyeing something with a fancy design, a unique font, or a custom image? The more elaborate the design, the higher the cost will likely be.
- Quantity: Checks are usually ordered in increments (e.g., 100, 200, 400). Ordering a larger quantity might offer a slightly better per-check price, but the upfront cost will be higher.
- Shipping Method: Standard shipping is usually included or a low cost, but if you need your checks expedited, expect to pay a premium for faster delivery.
- Third-Party Vendors vs. Wells Fargo Direct: While Wells Fargo facilitates check orders, they often partner with third-party check printers like Harland Clarke. Sometimes, going directly to a third-party vendor independently might offer cheaper options, but it's essential to ensure compatibility and security.
- Promotions or Waived Fees: Occasionally, Wells Fargo or their check printing partners might offer promotions or discounts. Also, if you have a certain account balance or other linked accounts, some fees might be waived.
Step 2: Gathering Your Information
Before you start the ordering process, having the right information at hand will make it much smoother.
- Your Wells Fargo Account Number: This is essential for linking the check order to your specific account.
- Your Wells Fargo Routing Number: While often pre-filled if you order through Wells Fargo Online, it's good to have it handy.
- The Starting Check Number (for reorders): If you're reordering checks, you'll need the number of the next check in your sequence. This helps prevent duplicate check numbers.
- Personal Information: Your name, address, and phone number as they appear on your Wells Fargo account.
- Desired Check Style/Design: If you have a preference, know what you're looking for.
Step 3: How to Order Checks from Wells Fargo (Step-by-Step Guide)
Wells Fargo offers a few convenient ways to order checks. We'll detail the most common methods.
Option A: Ordering Checks Online (Recommended for convenience)
This is generally the easiest and fastest way to reorder checks.
- Log In to Wells Fargo Online: Visit the official Wells Fargo website (wellsfargo.com) and sign in to your online banking account.
- Navigate to Account Services: Once logged in, look for a section like "Account Services" or "Order Checks & Currency." This is usually found under the "Accounts" tab or a similar menu.
- Select Your Account: If you have multiple Wells Fargo accounts, choose the specific checking account for which you want to order checks.
- Initiate the Order: You'll typically see an option to "Order Checks" or "Reorder Checks." Clicking this will often redirect you to Wells Fargo's preferred check printing partner (e.g., Harland Clarke).
- Verify and Customize: On the check printer's site, your account information should be pre-populated.
- Review your personal details carefully to ensure accuracy.
- Choose your desired check style, quantity, and any optional features (e.g., security features, accessories like checkbook covers).
- Confirm the starting check number if it's a reorder.
- Review and Confirm: Before finalizing, double-check all the details of your order, including the total cost and estimated delivery date.
- Payment: The cost of the checks will typically be debited directly from your Wells Fargo checking account.
- Order Confirmation: You should receive an order confirmation via email or on the screen. Keep this for your records.
Option B: Ordering Checks by Phone
If you prefer to speak with someone directly or are having trouble online, ordering by phone is a viable option.
- Call Wells Fargo Customer Service:
- For personal accounts, call 1-800-TO-WELLS (1-800-869-3557).
- For business accounts, call Harland Clarke Corp. directly at 1-800-237-8982.
- State Your Request: Clearly tell the representative that you wish to order checks.
- Provide Account Information: You'll be asked to verify your identity and provide your account details.
- Specify Your Order: The representative will guide you through selecting the check style, quantity, and any other preferences.
- Confirm Details and Payment: They will confirm the total cost and process the payment from your account.
Option C: Ordering Checks In-Person at a Wells Fargo Branch
For those who prefer face-to-face assistance, visiting a branch is always an option.
- Locate a Branch: Use the Wells Fargo website or app to find the nearest branch location.
- Bring Your ID and Account Information: Be prepared to show a valid photo ID and have your account number handy.
- Speak with a Banker: Inform the banker that you want to order checks. They can assist you with the entire process, including showing you available styles and confirming pricing.
- Complete the Order: The banker will help you fill out the necessary forms and process the payment.
Step 4: Understanding the Costs: How Much Will It Be?
Now for the crucial question: How much is it to order checks from Wells Fargo? As established, there isn't a single answer, but we can give you a general idea based on typical Wells Fargo offerings and common feedback.
- Basic Personal Checks: For standard, no-frills personal checks, you can generally expect to pay anywhere from $7 to $25 per box, depending on the quantity and any current promotions. Some reports indicate fees around $7.01 or higher for basic options.
- Specialty/Designer Checks: If you opt for checks with specific designs, images, or enhanced security features, the cost will be higher, potentially ranging from $20 to $50 or more per box.
- Business Checks: Business checks tend to be more expensive than personal checks due to their specialized nature. They can easily cost $50 to over $100 per box, depending on the style and quantity.
- Cashier's Checks: A cashier's check is a different type of check issued by the bank. Wells Fargo typically charges a fee of $10 per cashier's check. For online orders of cashier's checks to be delivered, an additional $8 delivery charge may apply.
- Money Orders: Wells Fargo generally charges $5 per money order (up to $1,000 each).
Important Considerations:
- Free Checks: Some Wells Fargo accounts, particularly premium or relationship-based checking accounts like Prime Checking or Premier Checking, may offer free personal checks. Always check your specific account's fee schedule or ask a representative if your account qualifies for free checks.
- Third-Party Alternatives: Many customers opt to order checks from third-party vendors like Checks.com, Carousel Checks, or other online check printers. These often advertise prices significantly lower than what banks charge. For example, some third-party vendors might offer 400 checks for around $25. If you choose this route, ensure the vendor is reputable and that their checks are compatible with your Wells Fargo account. You'll need to provide your routing and account numbers to them.
- Electronic Alternatives: In today's digital age, consider if you truly need paper checks. Many transactions can be handled via online bill pay, Zelle®, wire transfers, or debit card payments, often with lower or no fees.
Step 5: Receiving Your Checks
Once your order is placed, you'll typically receive an estimated delivery date. Standard shipping usually takes 7-14 business days. If you opted for expedited shipping, they will arrive sooner.
- Security: When your checks arrive, ensure the package is sealed and appears untampered. Store your checks in a secure location to prevent fraud.
- Verification: Briefly review the checks to confirm that your name, address, account number, and routing number are all printed correctly.
10 Related FAQ Questions
Here are 10 frequently asked questions related to ordering checks from Wells Fargo, along with quick answers:
-
How to find my Wells Fargo account number and routing number for ordering checks?
- You can find both your account number and routing number on your existing checks, through Wells Fargo Online by logging into your account, or by contacting customer service.
-
How to know if my Wells Fargo account offers free checks?
- Refer to your Wells Fargo Consumer Account Fee and Information Schedule, which outlines the benefits and fees associated with your specific checking account, or contact Wells Fargo customer service.
-
How to order Wells Fargo checks with a custom design?
- When ordering online through the Wells Fargo preferred vendor (like Harland Clarke), you'll typically have options to select from various designs, including custom images or themes.
-
How to expedite the delivery of Wells Fargo checks?
- During the online or phone ordering process, you should be presented with expedited shipping options for an additional fee.
-
How to cancel a Wells Fargo check order?
- Contact Wells Fargo customer service immediately after placing the order. Whether you can cancel will depend on how quickly you act and the stage of processing.
-
How to order deposit slips from Wells Fargo?
- You can usually order deposit slips at the same time you order checks online or by phone. They are often available as a separate accessory.
-
How to get a cashier's check from Wells Fargo and what's the fee?
- You can get a cashier's check online (for amounts up to $2,000) or in person at a Wells Fargo branch. The fee is typically $10 per cashier's check, plus an $8 delivery fee for online orders shipped to you.
-
How to get a money order from Wells Fargo and what's the cost?
- You can purchase money orders (up to $1,000 each) at any Wells Fargo branch location. The fee is typically $5 per money order.
-
How to avoid paying for checks from Wells Fargo?
- If your account type doesn't offer free checks, consider alternative options like utilizing Wells Fargo's online bill pay, Zelle®, or using a reputable third-party check printer, which often have lower prices.
-
How to place a stop payment on a Wells Fargo check?
- You can place a stop payment on a check through Wells Fargo Online by navigating to "Account Services" and finding the "Stop Payment" option, or by calling customer service. Fees may apply for stop payments.
