Mercury offers multiple ways to send and manage checks. This article explains how to send mailed checks, order a Mercury checkbook, and enable your account to order checks from a third-party provider.
Types of checks available:
- Mailed checks that are printed and mailed on your behalf via the Send Money flow
- Physical checkbooks that you can order from the Checkbooks page
Additionally, you can enable your Mercury checking account and routing numbers to order checks from third party providers.
How to send a mailed check
You can send a paper check to recipients within the United States and its territories from your Mercury dashboard.
- Click Move Money, then select Send
- Choose or add a recipient, or upload a bill to start
- Select Check as the payment method
- Fill in the required payment details and follow the prompts
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(Optional) Upload up to 6 pages of attachments in PDF, PNG, or JPG format
- Files must be exactly 8.5" x 11" at 300 DPI
- HTML files will be rendered and paginated automatically
- If you're attaching a PDF form, flatten the file before uploading by using Print > Save as PDF to prevent formatting issues during printing
Delivery time
Checks are mailed via USPS and typically arrive in 7–10 business days (1-2 days to print, then delivery). The check will remain pending until it’s deposited. If not deposited within 90 days, it will automatically cancel.
Canceling mailed checks
If you want to cancel a mailed check before it has been deposited, you can click into it on your Transactions page and select the “Cancel check payment” icon.
How to order a Mercury checkbook
To order a Mercury checkbook so you can send physical checks personally, follow these steps. Please note that ordering checkbooks is restricted to account admins, and checkbooks can only be shipped to addresses within the United States and its territories.
- Go to the left-hand menu on your Mercury dashboard on web, click Payments > Checkbooks
- Click Order Checkbook
- Enter the details for your checkbook then click Next
- Choose your default check review setting:
- Approve check: Check deposits will be automatically approved after the 24-hour review window expires
- Reject check: Check deposits will be automatically rejected after the 24-hour review window expires
- Review your selections, agree to the terms and conditions, and click Confirm
- The final page will confirm your checkbook’s estimated shipping time. You’ll also receive an order confirmation and an update when the checkbook ships via email.
You can also order a checkbook from a specific checking account page. To get there, head to your Accounts tab.
Since you are in possession of your checkbook, timing will depend on your method of delivery. Checks deposited by your recipient will usually appear on your Checkbooks page the same or next business day after your recipient deposits them. Please note that only deposited checks will show up on your Checkbooks page — if your recipient hasn’t deposited them yet, that record won’t appear in Mercury.
Want to learn more about Mercury checkbooks? Click here.
Important notes about third party checks
If you want to enable your Mercury checking account and routing numbers to order checks from a third party provider, you can head to your Checkbooks page, click Settings in the top right corner, and choose which checking accounts you want to enable.
You can also use the routing number or account details printed on your Mercury checkbooks for direct deposits or account verification. If a vendor asks for a check to verify your account, you can also usually provide a bank letter. Download one from the Documents & Data page under Bank Letters.
Want to learn more about check deposits? Click here.