Yes, you can write checks on a SoFi checking account, but you need to order them first
SoFi checking accounts come with check-writing ability, but the bank does not send you checks automatically when you open the account. You have to order them yourself through your SoFi app or online account. Once you have checks in hand, you can write them like you would with any other checking account — the money comes directly from your SoFi balance.
The main difference from a traditional bank is that SoFi makes ordering checks a deliberate step rather than something that arrives in your welcome package. This is partly because many people now pay bills online or by transfer and never need physical checks at all. If you do need them, the process takes a few minutes and the checks arrive within one to two weeks.
Key Takeaways
- SoFi checking accounts support check-writing, but you must order checks through your app or online account — they do not arrive automatically.
- You can order checks directly from SoFi or from a third-party printer, with SoFi's option typically arriving within one to two weeks.
- Checks drawn on your SoFi account work the same way as checks from any other bank — the recipient deposits them and the money comes from your balance.
- SoFi also offers bill pay and transfers as alternatives to checks, which are often faster and do not require ordering physical stock.
How to order checks through your SoFi account
Open your SoFi app or log into your online account and look for the settings or account management section. From there, you should see an option to order checks. SoFi will ask you to confirm the name and address that should print on the checks — make sure this matches what you have on file, because the bank uses this information to prevent fraud.
You can choose from a few check styles, though the options are more limited than you would find at a traditional bank. SoFi's checks are standard size and come in packs. The cost varies, but SoFi sometimes offers the first order free or at a reduced price for new customers — check your account for any current offers.
Once you place the order, SoFi sends it to a printer and the checks ship to your address. Delivery typically takes one to two weeks depending on where you live. You can track your order through your account if SoFi provides a tracking number.
Ordering checks from a third-party printer instead
If you want more design options or faster delivery, you can order checks from a third-party printer using your SoFi account information. Companies like Deluxe, Costco, and Walmart all print checks that work with any bank account. You will need your SoFi account number and routing number, which you can find in your app under account details or by looking at a deposit slip.
Third-party printers often have more styles to choose from and sometimes lower prices, especially if you order in bulk. However, you are responsible for making sure you enter your account information correctly — if you get it wrong, the checks will not work. Double-check your routing number and account number before you submit your order.
What information goes on your checks
Your checks will print with your name, address, phone number (if you choose to include it), and your account number and routing number at the bottom. The routing number tells the recipient's bank where to send the money — for SoFi, this is the same for all customers. Your account number is unique to you and identifies which SoFi account the money should come from.
When you write a check, you fill in the date, the recipient's name, the amount in numbers and words, and your signature. The recipient then deposits or cashes the check, and the money moves from your SoFi account to theirs. This process usually takes three to five business days, though it can be faster or slower depending on the recipient's bank.
When checks make sense and when they do not
Checks are useful when you need to pay someone who does not take cards or transfers, or when you want a paper record of payment. Landlords, some utilities, and certain service providers still prefer checks. However, if you are paying bills online or sending money to friends, a transfer or bill pay is usually faster and does not require ordering physical stock.
SoFi's bill pay feature lets you pay many companies directly from your account without writing a check. You can set up one-time payments or recurring bills, and the money arrives within a few business days. For sending money to another person, SoFi's transfer feature or a service like Zelle (if your account supports it) is often quicker than waiting for a check to clear.
What happens if you lose or damage checks
If a check goes missing or gets damaged before you use it, you can order a replacement pack. The process is the same as ordering checks the first time — go through your app or account and place a new order. You do not need to report the missing check to SoFi unless you are worried someone else might try to use it fraudulently.
If you suspect a check has been stolen or forged, contact SoFi right away. The bank can flag your account and watch for unauthorized activity. If someone cashes a check you did not write, SoFi's fraud protection should cover it, but you need to report it quickly so the bank can investigate.
Check fees and costs
SoFi does not charge a monthly fee for its checking account, and the bank often waives or discounts the cost of your first order of checks. After that, the cost of ordering checks varies depending on how many you order and which style you choose. A standard pack of 100 checks typically costs between $10 and $20, though prices change.
If you order checks frequently, third-party printers may offer better prices, especially for larger quantities. However, if you only need checks occasionally, SoFi's pricing is usually reasonable and you avoid the risk of entering your account information incorrectly.
Frequently Asked Questions
How long does it take to get checks after I order them?
SoFi checks typically arrive within one to two weeks. Third-party printers may be faster or slower depending on the company. If you need checks urgently, check whether any third-party printers offer expedited shipping.
Can I use checks from another bank with my SoFi account?
No. Checks must be printed with your SoFi account number and routing number. Using checks from a different bank will not work because they are tied to that bank's account system.
What is my SoFi routing number?
SoFi's routing number is the same for all customers. You can find it in your app under account details, on a deposit slip, or by contacting SoFi support. You will need this number when ordering checks from a third-party printer.
Do I have to order checks if I have a SoFi checking account?
No. Many SoFi customers never order checks because they pay bills online or by transfer. Checks are optional — you only need them if you actually plan to write them.
What if I write a check and do not have enough money in my account?
The check will bounce, meaning the recipient's bank will reject it because your account does not have sufficient funds. This can result in overdraft fees from SoFi and fees from the recipient's bank. It is your responsibility to make sure you have enough money before writing a check.