Using a convenience check can have some advantages, especially if they have a promotional offer. Convenience checks can also be used to pay a company or person without the need to have an account number or address.

Before using any type of convenience check, there’s some important things to consider.

• Promotional convenience checks can't be requested.
• • They’re issued as limited time offers or are a part of various marketing campaigns. Because they’re tied to special promotional terms, like a lower APR, they aren’t available on demand.
  • If you received promotional checks that were lost or discarded, you may be able to request a balance transfer using the offer.
    See also: How do I request a balance transfer on my credit card?
• Writing a standard convenience check is considered a cash equivalent transaction.
  • There may be a fee based on the amount the check is written for. The check amount and the fee (if applicable) becomes part of the cash balance.
  • The cash balance is subject to the cash advance APR and will accrue interest daily until it’s paid in full.
• The account number listed on convenience checks aren't associated with a checking account.
  • The check will decline if a merchant tries to cash it electronically. Instead, they need to deposit the check into their account through their bank branch.
  • Checks are honored if they come from a credit card account that was upgraded or downgraded. They aren't honored if they come from a credit card that was reported as lost or stolen.
• Visa benefits only cover purchases made on the Visa credit card, not purchases made via convenience checks.

To order convenience checks using online banking and the U.S. Bank Mobile App

1. Select the credit card you want to order checks for. Then choose Account.
2. Scroll to the Services tile and select Convenience checks.
3. Review your mailing address. When ready, select Request checks.

About convenience check orders

• Orders can’t be cancelled. If you request convenience checks and later change your mind, you can destroy them when they arrive. You can also change your card number by reporting it as lost. This will make the checks void.
  See also: How do I report a credit card as lost or stolen?
• Orders are delivered within 10 calendar days.
• Convenience checks can't be ordered if:
  • The account isn’t activated.
  • The credit card is a secured or alternate pricing account.
  • The account is past due.
  • Business only:
    • There’s no authorized officer assigned.
    • Cash access isn’t turned on.

More information

• Convenience checks can be written for the full amount of available credit.
  • They’re honored as long as there’s enough available credit at the time it’s presented to the credit card account. This is similar to how personal checking accounts work.
  • If a check is written and other transactions are processed on the credit card before it is posted, the available credit may be reduced. This could result in the check being returned due to insufficient credit.
• Promotional checks usually come in batches of three or four.
• Standard convenience checks come in books of:
  • 10 checks for most account types.
  • 25 checks for personal lines, credit lines, lines of credit, and investment equity line accounts.