Short answer: Yes, SoFi gives checks to SoFi Checking and Savings members at no cost. You order the checkbook in the SoFi app or on the website from your Checking account, under the gear icon, and SoFi says it arrives about 10 to 14 business days later. If you want more checks, a picture design or duplicates, you can order them from Checks Unlimited with SoFi’s routing number, 031101334, and your account number, from $23.49 for a box of 80. Checked November 10, 2026.
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Does SoFi give you checks?
Yes. SoFi’s help article on ordering physical checks answers the question directly: it offers checks at no cost, and you order them yourself from the app or the website. SoFi Bank, N.A. has no branches, so you request the free checkbook online.
The free checkbook covers most people who write a few checks a year for rent, a contractor, a school or a gift. People who write checks every week, want duplicate copies or want a design on their checks usually buy a box from a check printer on top of the free book. Both work with the same account, because any check printed with SoFi’s routing number and your account number draws on your SoFi Checking account.
How to order checks from SoFi
SoFi describes the same path on the web and in the app:
- Log in to your SoFi Checking and Savings account in the app or at sofi.com.
- Select your Checking account, not Savings.
- Tap or click the gear icon on the Checking account page.
- Choose Order a checkbook (the bill pay article calls the same button Order Checks) and confirm your mailing address.
Check the address before you submit. The checkbook goes to the address on your SoFi profile, so update your profile first if you moved.
Timing and reorders
| Question | What SoFi says |
|---|---|
| Cost of the checkbook | No cost |
| Delivery time | About 10 to 14 business days after ordering |
| Ordering more | You can order an additional 25 checks after one week |
| Where to order | SoFi app or website, Checking account, gear icon |
| Routing number on the checks | 031101334 (SoFi Bank, N.A.) |
The one-week wait between free orders is the main limit. If you need a check sooner than two weeks, or you need more than one book, a check printer with rush printing is the faster route. The rush option at Checks Unlimited costs $6.99 and gets the order ready to ship within 2 business days after verification.
SoFi routing number for checks
SoFi’s routing number page gives 031101334 as the routing number for SoFi Checking and Savings, and says the same number works for ACH and domestic wire transfers. It also lists the bank’s full name and address as SoFi Bank, N.A., 2750 E. Cottonwood Parkway, Suite 300, Cottonwood Heights, UT 84121. Investment and credit card accounts do not use this number.
If a company tells you the number is not valid, SoFi has a support letter you can send them: it says 031101334 has been active in the Fed routing tables since August 2019. The check printer uses this number and your account number to build the MICR line along the bottom of every check, so both have to match your SoFi account exactly. Your account number is in the app under your Checking account details.
When a check beats bill pay
SoFi’s bill pay article says bill payments have limits per biller, per transaction, that range from $5,000 to $25,000. If you need to send more than your limit, SoFi itself recommends ordering a free SoFi checkbook. That makes a paper check the standard way to pay a large invoice, a down payment or a tax bill from SoFi when bill pay says no.
Checks also help when the person you pay does not take cards or transfers: many landlords, contractors, schools and local offices still ask for a check. Keep a few in your wallet or a cover so you have one on hand.
The current Checks Unlimited offer codes are valid through Dec 31, 2026, and only one code works per order: R66Q for two boxes of singles for $4.95 (first-time customers), 355M for $6.99 a box plus free shipping (not for side-tear or desk set checks), and BL5R for buy one, get one free on reorders. Use one if the code applies to your design. Our Checks Unlimited guide explains which one saves more on your order.
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Buying SoFi checks from a check printer
Any check printer prints checks for a SoFi account. You give it the routing number 031101334, your SoFi account number and the check number to start from, and it prints the bank name and the MICR line for you. We use Checks Unlimited, the long-running mail order printer, because its plain designs start at $23.49 a box and it has hundreds of picture designs. Here is why SoFi members buy printed checks:
- More checks at once. A 4-box order holds 320 checks, so you are not waiting a week between orders.
- Duplicates. Duplicate checks leave a carbonless copy of each check in the book, which helps with budgeting and taxes.
- Designs. Pick from National Parks, Precious Moments, team logos, or your own picture on photo checks.
- A cover and a register. A black leather checkbook cover costs $14.99 and a spare check register costs $3.49.
Check prices for a SoFi account
Checks Unlimited prices checked November 10, 2026, 80 checks per box, handling included:
| Design | 1 box (80) | 2 boxes (160) | 4 boxes (320) | Duplicates, 1 box |
|---|---|---|---|---|
| Blue Classic (plain) | $23.49 | $38.99 | $72.29 | $29.49 |
| Safety (basket-weave pattern) | $23.49 | $38.99 | $72.29 | $29.49 |
| National Parks | $23.49 | $38.99 | $72.29 | $29.49 |
| Precious Moments | $26.49 | $44.29 | $81.79 | $32.49 |
One box of plain checks works out to about 29 cents a check and four boxes to about 23 cents, so the 4-box order is the cheaper way to buy. Licensed designs cost $3.00 a box more. Our cheapest checks guide compares other low-cost printers.
How to order checks for SoFi
- Have a current check from the same account in front of you. The account number, routing number and next check number come from it.
- Pick singles or duplicates and the number of boxes. Each box holds 80 checks.
- Enter your name, address, bank routing number, account number and the starting check number, as the Checks Unlimited how-to-order page asks.
- Type the SoFi routing number as 031101334 and copy the account number from the SoFi app, digit for digit.
- Proofread the preview, especially the account number, then pick delivery and pay.
The Checks Unlimited FAQ says the routing number you enter gives the printer all the information it needs about your bank, and that standard printing generally takes 2 to 5 business days. The how-to-order page lists the same fields we did above. Our reorder guide walks through each screen.
Every design on this page carries the same three security features as the plain Checks Unlimited checks: chemical protection, erasure protection and a microprint signature line. The product page lists printing and standard untrackable delivery at up to 15 business days and printing with standard trackable delivery at 7 to 11 business days, both counted after order verification. In-Plant Rush costs $6.99 and gets the order processed and ready to ship within 2 business days after verification. SentryShield fraud protection is added to every order for an extra charge that you can remove in the cart.
For the same question at other online banks, see our Chime checks and Ally Bank checks guides, or how to get a checkbook for any bank.
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SoFi checks: frequently asked questions
Does SoFi give you checks?
Yes. SoFi offers checks at no cost to SoFi Checking and Savings members. You order the checkbook in the SoFi app or on the website from your Checking account.
How do I order checks from SoFi?
Log in, select your Checking account, open the gear icon and choose Order a checkbook. SoFi says the checks arrive about 10 to 14 business days after ordering.
How often can I order SoFi checks?
SoFi says you can order an additional 25 checks one week after your last order. For more checks at once, order printed checks with the SoFi routing number from a check printer.
What routing number goes on SoFi checks?
SoFi Bank, N.A. uses routing number 031101334 for SoFi Checking and Savings, for ACH and domestic wires. It has been active in the Fed routing tables since August 2019.
Can I buy SoFi checks from Checks Unlimited?
Yes. Enter routing number 031101334, your SoFi account number and a starting check number. Plain Checks Unlimited checks cost $23.49 for 80 on November 10, 2026, and picture designs start at the same price.
What is the SoFi bill pay limit?
SoFi says bill payments are limited per biller, per transaction, at $5,000 to $25,000. For larger payments SoFi recommends ordering a free checkbook.
Related guides
- Chime checks
- Ally Bank checks
- How to get a checkbook
- Checks Unlimited review
- How to reorder checks online
- Cheapest checks 2026
- Check companies compared
Affiliate disclosure: GetBankChecks.com is an independent guide, not a check printer. Some links are affiliate links, and we earn a commission if you buy through them, at no extra cost to you. Prices, codes and designs change, so check them on the merchant’s site before you pay.