Charles Schwab does not automatically include free checks with most account types

Charles Schwab stopped including complimentary checks as a standard feature for most customers. If you need checks, you can order them through Schwab's vendor, but you pay for them. The cost varies depending on the style and quantity you order, and pricing is set by the check printing vendor rather than Schwab itself.

Some older accounts or specific account types may have different terms, so it's worth checking your account details or contacting Schwab directly if you opened your account several years ago. For most people opening accounts today, however, assume you'll cover the cost of checks if you want them.

Key Takeaways

  • Charles Schwab does not provide free checks as part of standard account features for new or most existing accounts.
  • You can order checks through Schwab's designated vendor, but you pay the printing cost based on quantity and design.
  • Pricing for checks is determined by the third-party vendor, not by Schwab, so costs vary depending on style and quantity.
  • If you rarely write checks, you may not need to order them at all — most Schwab accounts support digital payments and transfers instead.
  • You can order checks from any vendor and use them with your Schwab account number, not just through Schwab's recommended printer.

How to order checks through Schwab

When you decide you need checks, log into your Schwab account and look for the checks ordering option, usually found in the account services or settings area. Schwab provides a link to their check vendor's website, where you'll see pricing options based on the number of checks and the design you choose.

Standard black-ink checks on white stock are typically the least expensive option. Personalized designs, colored ink, or specialty layouts cost more. You'll enter your account information and mailing address, then pay for the order before it's printed and shipped to you.

The entire process takes place on the vendor's website, not within Schwab itself. Schwab simply provides the connection and your account details are pre-filled to make ordering easier. Shipping typically takes one to two weeks depending on the vendor's current processing time.

Why Schwab stopped offering free checks

Banks and brokerages eliminated free check printing years ago as fewer customers used checks. The cost of printing, shipping, and managing check inventory became harder to justify when most transactions moved online. By shifting check costs to customers who actually need them, Schwab reduced expenses for all account holders.

This change aligns with how most financial institutions now operate — checks are available if you want them, but you pay for the service rather than having the cost built into everyone's account. It's similar to how banks stopped offering free checks decades ago, and brokerages followed the same pattern as digital banking became standard.

Alternatives to ordering checks

Before you order checks, consider whether you actually need them. Schwab accounts support ACH transfers, wire transfers, bill pay through the platform, and debit card payments — all of which handle most transactions without a physical check. For many people, these digital options cover every payment they need to make.

If you write checks occasionally for rent, contractors, or other specific payments, you might order one box and use it over several years rather than maintaining a regular supply. Some people order checks once and never reorder because their payment needs changed. You can also use mobile check deposit if someone sends you a check — you photograph it through the Schwab app and deposit it without visiting a branch.

Ordering checks from other vendors

You are not required to order checks through Schwab's vendor. You can purchase checks from any third-party printer and have them printed with your Schwab account number and routing number. Many people find cheaper options by searching online for check printers and comparing prices.

If you go this route, make sure the vendor prints your correct Schwab routing number and account number on the checks. You'll need to provide these details yourself since you're not ordering through Schwab's system. Verify the numbers before you place the order to avoid checks that won't work with your account.

What to do if you have an older Schwab account

Accounts opened before Schwab changed its check policy may have different terms. If you've had your account for many years, log in and check your account agreement or contact Schwab support to confirm your specific benefits. Some legacy accounts or premium account tiers may still include check printing, though this is rare.

Even if your account originally included free checks, Schwab may have updated the terms over time. The only way to know for certain is to ask directly or review the current account terms in your account settings. If your account does include free checks, that benefit should be clearly listed in your account features.

Frequently Asked Questions

Can I get free checks if I maintain a high balance?

No. Schwab does not tie check printing to account balance or deposit level. All customers pay for checks if they order them, regardless of how much money they hold in their account.

How much do Schwab checks cost?

Pricing depends on the vendor and the style you choose. Standard checks typically cost between $10 and $20 per box of 100, but specialty designs cost more. Check the vendor's website through your Schwab account for current pricing, as costs change over time.

Can I use checks from another bank with my Schwab account?

Yes. You can use checks from any bank or vendor with your Schwab account number printed on them. You don't have to order through Schwab's vendor if you find a cheaper option elsewhere, as long as the routing number and account number are correct.

Do I need checks at all if I have a Schwab account?

Most people don't. Schwab's bill pay feature, ACH transfers, and debit card handle nearly all payments. Order checks only if you regularly write checks to people or businesses that don't accept digital payments.

How long does it take to receive checks after I order them?

Shipping typically takes one to two weeks from the time you place your order, depending on the vendor's processing time and your location. Standard shipping is usually included, though expedited options may be available for an additional fee.