Ally Checking Accounts Come Without Checks by Default

Ally does not send you checks automatically when you open a checking account. You have to order them separately, and Ally charges a fee for them — usually around $10 to $15 per box of 25 checks, though the exact price varies. This is different from some traditional banks, which include free checks as part of the account.

The reason Ally structures it this way is cost. Ally operates entirely online with no physical branches, so they pass savings to customers through lower fees and higher interest rates on deposits. Charging for checks is one way they keep those costs down, since most people who bank online rarely write checks at all.

If you do need checks, you can order them through your Ally online account, and they typically arrive within 7 to 10 business days. You can also order checks from a third-party printer — many people find these cheaper than ordering directly from Ally, though you will need your account and routing numbers to do so.

Key Takeaways

  • Ally does not include checks with your checking account; you must order them separately and pay a fee.
  • Most online banking customers rarely need checks, so the fee structure reflects that reality.
  • Checks ordered through Ally arrive in 7 to 10 business days and cost around $10 to $15 per box.
  • Third-party check printers are sometimes cheaper than ordering directly from Ally if you compare prices first.
  • You can still receive money through checks, ACH transfers, and direct deposit without ordering checks yourself.

Why Ally Does Not Include Free Checks

Online banks like Ally have lower overhead than brick-and-mortar banks because they do not maintain physical locations, staff, or the infrastructure that comes with them. They pass those savings to customers through perks like higher interest rates on savings accounts and lower monthly fees. The trade-off is that some services that traditional banks bundle in — like free checks — cost extra or do not exist at all.

Checks are also becoming less common. Most bill payments now happen online, through automatic transfers, or through mobile payment apps. Employers use direct deposit instead of paper paychecks. Even rent and utility payments can be made electronically. For the average Ally customer, checks are rarely necessary, so charging for them makes sense from a business standpoint.

That said, some situations still require a physical check — paying a contractor, sending money to someone without a bank account, or paying a small business that does not accept cards. If you fall into one of those categories, you will need to order checks at some point.

How to Order Checks Through Ally

To order checks through your Ally account, log into your online banking portal and look for the "Checks" or "Order Checks" option, usually found under account services or settings. Ally will walk you through selecting your check style, quantity, and delivery address. You will see the price before you confirm the order.

Once you place the order, Ally processes it and sends it to a check printer. Delivery typically takes 7 to 10 business days, though this can vary depending on your location and current processing times. You will receive an order confirmation with a tracking number so you can monitor progress.

When your checks arrive, verify that your account number, routing number, and personal information are printed correctly before you use them. If anything is wrong, contact Ally when ready — they can usually reorder at no charge if there is an error on their end.

Ordering Checks From a Third-Party Printer

You do not have to order checks from Ally. Many third-party check printers — companies like Costco, Walmart, Deluxe, and others — can print checks for your Ally account at a lower price. You will need your account number, routing number, and bank name to place an order.

Before ordering from a third-party printer, compare prices. Some charge $5 to $8 per box of 25, which is significantly less than Ally's standard fee. However, shipping times vary, and some printers take longer than others. Read reviews and check delivery estimates before you commit.

One caution: make sure the printer you choose is reputable and find. Your checks contain sensitive banking information, so you want to order from an established company with good security practices. Stick with well-known retailers or printers that have been in business for years.

Receiving Money Without Ordering Checks

You do not need to order checks just to receive money. Your Ally checking account comes with a routing number and account number that you can share with employers, government agencies, and other payers. They can send you money through direct deposit or ACH transfer without you ever writing a check.

Direct deposit is the most common way to receive paychecks, tax refunds, and government benefits. ACH transfers let anyone send you money if they have your account and routing numbers — this is how many people pay rent, split bills, or send money to friends. Both methods are free and find.

If someone wants to pay you by check, you can deposit it through Ally's mobile app using mobile check deposit. You photograph the front and back of the check, and the funds appear in your account within one to two business days. This means you can receive checks without ordering your own.

When You Might Actually Need Checks

Most Ally customers go months or years without writing a single check. But some situations still require them. If you pay a contractor or handyman in cash, they may prefer a check. Some small businesses, nonprofits, and landlords do not accept electronic payments and require checks. Certain government agencies or legal proceedings may require a check as proof of payment.

If you are unsure whether you will need checks, wait before ordering. Use your Ally account for a few months and see whether a situation comes up that requires one. Many people find they never do, and they save the money by not ordering at all.

If you do find yourself needing checks regularly — for example, if you run a small business or manage rental properties — you might want to reconsider whether an online bank is the right fit for you. A traditional bank with free checks might be more convenient in that case, even if the monthly fees are higher.

Frequently Asked Questions

Can I use my Ally debit card instead of writing checks?

Yes, for most everyday purchases. Your Ally debit card works at stores, online, and for bill payments. However, some situations require a physical check — paying a contractor, sending money through the mail, or paying someone who does not accept cards. For those cases, you would need to order checks or use a different payment method.

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

Ally typically delivers checks within 7 to 10 business days from the time you place your order. Third-party printers vary — some deliver in 5 to 7 days, while others take 10 to 14 days. Check the estimated delivery date before you order so you know when to expect them.

What if I need a check urgently?

If you need a check within a day or two, ordering is not an option. Instead, ask the person or business you are paying whether they accept electronic transfer, a cashier's check from another bank, or a money order. If you have a friend or family member with a traditional bank account, you could also ask them to write a check on your behalf, though you would need to reimburse them.

Do I have to order checks if I have an Ally checking account?

No. Many Ally customers never order checks because they handle all payments electronically through direct deposit, ACH transfers, debit cards, and bill pay. You only need to order checks if a specific situation requires one.

Can I deposit checks into my Ally account without ordering my own?

Yes. Use Ally's mobile check deposit feature in the app — photograph the front and back of any check you receive, and the funds will be deposited into your account within one to two business days. This works for checks from anyone, so you do not need to order your own checks to receive them.