You're running low. That little checkbook buried in your junk drawer is down to its last three slips, and you realize you actually need them for the landlord or that one contractor who still refuses to use Venmo. So, you think about how to chase order checks online and assume it's a thirty-second task. It should be. But honestly, if you just blindly click through the Chase mobile app, you’re likely going to overpay for basic paper.
It's kinda wild how much we still rely on these paper rectangles in 2026. Despite the massive push toward real-time payments and FedNow, billions of checks still circulate every year. Chase, being the behemoth it is, makes the process relatively "integrated," but integrated is often code for "expensive."
Most people don't realize that when you order through the bank, you aren't really buying from Chase. You’re usually being redirected to a third-party partner like Deluxe Corp. Deluxe has handled check printing for decades. They’re the industry standard. But when you go through the bank's portal, there's often a "convenience tax" baked into the price that you could easily avoid by going direct or elsewhere.
The Reality of How to Chase Order Checks Online Without Getting Ripped Off
Let’s talk numbers. If you go into your Chase account, hit "Main Menu," scroll to "Account Services," and tap "Order Checks," you'll see a variety of designs. A standard box of 100 to 120 checks might run you $20 to $35 depending on the "flair" you choose. That’s insane. You are essentially paying 30 cents for a piece of paper that tells a computer how to move money.
If you have a Chase Sapphire Checking or a Chase Private Client account, stop worrying. You get these for free. It’s one of the few perks that actually feels like a win. But for the millions of people holding a standard Total Checking or Premier Plus account, those fees add up.
There is a better way.
You don't have to use the Chase portal. You just need your routing number and your account number. Those are literally printed at the bottom of the checks you already have. As long as you have those digits, you can order from anyone. CheckAdvantage, Walmart Checks, or even Vistaprint. These places often sell the exact same security-grade paper for half the price.
Why the "High Security" Upsell is Mostly Noise
When you're looking to chase order checks online, you’ll see options for "High Security" checks. They’ll talk about holograms, heat-sensitive ink, and chemically reactive paper.
Does it work? Sure.
Is it necessary for your $50 water bill? Probably not.
Most modern check fraud doesn't happen because someone forged your signature on a physical piece of paper. It happens through "check washing," where criminals use household chemicals to erase the payee and the amount. High-security checks have features that make the paper change color or show the word "VOID" if they are tampered with. It’s a nice-to-have, but if you're worried about security, the real solution is to stop mailing checks from your unsecured home mailbox. Drop them in a blue USPS box or take them to the post office. No amount of holographic ink protects a check sitting in a plastic box at the end of your driveway for six hours.
The Step-by-Step Logistics (The Boring Part You Need)
If you've decided to stick with Chase because you value your time more than $15, here is the actual flow.
Log in. Find your specific checking account. Look for "Checks & Supplies." When you click that, the site will hand you off to the Deluxe portal. This is where people get tripped up. The portal feels like a 2010 era website because, well, it basically is.
- Check the address: If you’ve moved recently, the bank might still have your old address on file for check printing. If the checks print with the wrong address, you can't just cross it out. Most merchants will reject them.
- The Starting Number: This is huge. If your last check was #250, start your new batch at #251. If you accidentally start at #001 again, it’s not illegal, but it’s a massive headache for bookkeeping. It also looks suspicious to some fraud detection algorithms at retail stores.
- The Signature Line: You can add a second signature line if you have a joint account and want to be "official," but it's rarely required by the bank for personal accounts.
Personal Accounts vs. Business Accounts
If you are a small business owner using Chase Business Complete Banking, the "online" part of ordering checks gets a bit more complex. You probably need "three-on-a-page" checks or voucher checks that work with QuickBooks.
Don't buy these through the Chase app.
Seriously.
The markup on business checks at big banks is legendary. A box of 500 business checks through a bank portal can easily clear $150. You can find the same MICR-compliant (Magnetic Ink Character Recognition) checks from specialized business printers for $60.
MICR is the only thing that actually matters. It’s that weird-looking font at the bottom of the check. It’s printed with special magnetic ink so the bank’s sorting machines can read it. As long as the printer you choose uses MICR ink and has your correct routing/account numbers, Chase is legally obligated to honor that check. They cannot force you to use their specific branded paper.
A Quick Word on "E-Checks"
Since we’re talking about how to chase order checks online, we should acknowledge that sometimes you don't need physical paper at all. Chase has a "Bill Pay" feature.
Most people think Bill Pay is just an electronic transfer. It isn't always. If you use Bill Pay to pay a guy named Mike who fixed your fence, Chase will actually print a physical check in their processing center and mail it to Mike for you.
The best part? It's free. They pay the postage. They pay for the check. If you only write one or two checks a month, don't bother ordering a box. Just use the Bill Pay service in the app, put in the person’s name and address, and let Chase's machines do the work. It saves you the $25 and the hunt for a stamp.
👉 See also: Calculating the present value of an annuity: Why your future money looks smaller today
Common Pitfalls and Annoyances
Sometimes the order fails. It happens. Usually, it's because of a "New Account" hold. If you opened your Chase account in the last 30 days, the online ordering system might block you as a fraud prevention measure. You might have to actually walk into a branch, show your ID to a human being, and have them place the first order for you.
Also, watch out for the "Quantity" trap.
The default is often two boxes. Most people in 2026 do not need 250 checks. They will expire (well, the address will change or the bank will merge) before you use them all. Buy the smallest quantity possible.
And for the love of everything, don't pay for expedited shipping. They’ll try to charge you $15 to get them in two days. Standard shipping is usually "free" or cheap, and it takes about 5 to 7 business days. If you're in such a rush that you need checks in 48 hours, you should probably just send a Zelle or a domestic wire.
The "Style" Delusion
Do you want puppies on your checks? Or maybe a mountain landscape?
Every time you add a custom image, the price jumps. Worse, some of those busy backgrounds make the checks harder for mobile deposit scanners to read. Have you ever tried to deposit a check via your phone and it keeps saying "Cannot detect check edges"? Often, it’s because the "Starry Night" painting in the background is confusing the AI.
Stick to the "Safety Blue" or "Parchment" styles. They are cheaper, they look professional, and the OCR (Optical Character Recognition) software at every bank loves them. Simple is better.
What if You See a Mistake?
If you chase order checks online and they arrive with a typo in your name or a transposed digit in your account number, do not use them. You might think, "Oh, it's just one letter," but the automated clearing house (ACH) systems are literal.
If the MICR line is wrong, the check will bounce, and you’ll likely get hit with a "Returned Item" fee, and the person you paid will get hit with a "Non-Sufficient Funds" fee. It’s a mess. Call Chase or the printer immediately. If the error was theirs, they have to replace them for free. If you typed the number wrong during the online checkout... well, that's an expensive typo. Double-check the numbers three times before hitting "Submit."
Actionable Steps for Your Next Order
Don't just click the first link you see. Follow this logic to save money and stay secure.
- Check your account tier. If you are Sapphire or Private Client, go through the Chase app and get your free checks. No brainer.
- Evaluate your volume. If you write fewer than five checks a year, don't buy anything. Use Chase Bill Pay and let them mail the checks for you.
- Compare prices. If you must have paper, grab your routing and account number. Go to a reputable third-party site like Walmart Checks or Checks Unlimited. Compare their "New Customer" specials against the price Deluxe is quoting you inside the Chase portal.
- Verify the MICR. Ensure the site you use explicitly states they are "Bank Document Compliant."
- Skip the extras. Say no to the "custom covers," "duplicate carbons" (unless you really need them for taxes), and "expedited processing."
The goal is to get the tools you need to move your money without the bank nibbling away at your balance just for the privilege of accessing it. Ordering checks is a utility, not a luxury purchase. Treat it like one.