How to Send a Check with Charles Schwab
Learn how to easily send physical checks using Charles Schwab with Check Supply. Get premium mail options including Certified Mail, Priority Mail, and Express Mail that Charles Schwab doesn't offer.
Charles Schwab
Trusted financial institution
Charles Schwab is supported by Check Supply, enabling you to send secure, convenient check mailing services with premium options like Certified Mail, Priority Mail, and Express Mail that Charles Schwab doesn't offer.
Visit Charles Schwab WebsiteCharles Schwab Bill Pay vs Check Supply
See how Check Supply compares to Charles Schwab's traditional bill pay system. Unlike Charles Schwab, Check Supply offers premium mail options including Certified Mail, Priority Mail, and Express Mail delivery.
Charles Schwab Corporation offers bill pay services to clients through their brokerage and banking platform. The service supports electronic payments with same-day or next-business-day processing for eligible payments when the biller accepts them. For recipients who cannot accept electronic payments, Charles Schwab can arrange for paper checks to be mailed on the client's behalf through their banking services. Electronic payments are typically debited on the scheduled payment date, while paper checks are debited when the recipient deposits the check. Charles Schwab provides features like payment tracking and the ability to view payment history through their online platform.
Compared with Charles Schwab's bill pay services, Check Supply offers superior speed, visibility, and control for mailed checks. We process payments in one business day with same-day print-and-mail capability when queued by 3 PM ET (including Saturdays), provide granular status tracking (queued → printed → mailed), and clearly confirm when the check is deposited. Funds remain in your Charles Schwab account until the recipient deposits the check—we do not place pre-debit holds. The experience is a modern, simple flow similar to Cash App or Venmo for sending checks, and you can connect multiple bank accounts and choose which one to pay from. USPS transit times are not guaranteed by either service.
## Shipping Options Limitations
**Important:** This bank does not offer premium shipping options for check delivery through their bill pay system:
- **Certified Mail**: Not available
- **Priority Mail**: Not available
- **Express Mail**: Not available
For these premium delivery options, consider using Check Supply instead, which provides:
- Certified Mail for secure, trackable delivery
- Priority Mail for faster 1-3 business day delivery
- Express Mail for urgent same-day or next-day delivery
Traditional bank bill pay typically only offers standard first-class mail delivery, which can take 5-7 business days and lacks the security and speed of premium options.
| Feature | Charles Schwab Corporation Bill Pay | Check Supply |
|---|---|---|
| Physical checks | Yes — can arrange mailed checks through banking services | Yes — we print & mail on your behalf |
| Average processing time | Electronic: same-day or next business day; Mailed check: typically 3-5 business days | 1 business day; same-day print & mail if queued by 3 PM ET (Sat included) |
| When funds are withdrawn | Electronic: on the scheduled date; Check: when recipient deposits the check | Only when recipient deposits the check; no pre-debit holds |
| User experience | Brokerage platform interface with banking features | Modern, simple flow (Cash App/Venmo-like) for sending checks |
| Account flexibility | Limited to Charles Schwab accounts only | Connect multiple banks; choose which account to pay from |
| Delivery time (mail transit) | Typically 3–5 business days for mailed checks (not guaranteed) | Typically 1–5 business days (USPS not guaranteed) |
| Tracking | Basic payment status; limited mailed check visibility | Granular: queued → printed → mailed + deposit confirmation |
| Certified Mail | Not available | ✓ Available Signature required, tracking number available |
| Priority Mail | Not available | ✓ Available 1-3 days, tracking number available |
| Express Mail | Not available | ✓ Available 1-2 day delivery, tracking number available |
Note: Values verified against general Charles Schwab bill pay practices and industry standards. USPS delivery not guaranteed.
Save money and time with Check Supply's superior features and pricing compared to Charles Schwab's bill pay system. Get premium mail options that Charles Schwab doesn't offer.
💡 Why Choose Check Supply?
Premium mail options (Certified, Priority, Express) not available through Charles Schwab, faster delivery, and a seamless mobile experience designed specifically for check mailing.
Step 1: Download Check Supply from the App Store
Download the Check Supply app from the Apple App Store.
Step 2: Enter the Payment Amount
Open the app and navigate to the Pay tab. Type in the amount you want to send and tap Mail My Check.
Step 3: Add Recipient's Details
Input the name and address of the person you wish to send the check to. You can also import this information from your iPhone's contact list for added convenience.
Step 4: Connect Your Charles Schwab Account
Connect your Charles Schwab account securely using Plaid. Your financial information is encrypted and stored only with Plaid; Check Supply never accesses or stores your sensitive data.
Step 5: Optional Memo or Note
Add a memo or note to be printed on the bottom left corner of the check. This step is optional. When you're ready, tap Pay.
Step 6: Review and Confirm
You'll see a confirmation page to review all the details. Confirm and pay for the service. If completed before 3 PM EST on a business day, your check will be printed and mailed the same day.
Step 7: Track Your Check
Under the Payments tab, you can track your checks. Most are delivered within 1-5 USPS business days, including Saturdays.
Conclusion
Sending a physical check with Charles Schwab has never been easier. With Check Supply, you get access to premium mail options like Certified Mail, Priority Mail, and Express Mail that Charles Schwab doesn't offer. Handle everything from your iPhone—quickly, securely, and without any hassle. Download the app today and simplify your payments with superior mail delivery options.
Charles Schwab
Trusted financial institution supported by Check Supply
Frequently Asked Questions
How does Charles Schwab deliver bill payments?
Charles Schwab processes electronic payments with same-day or next-business-day processing. For recipients who cannot accept electronic payments, they can arrange for paper checks to be mailed through their banking services.
When does Charles Schwab debit my account for Bill Pay?
For electronic payments, funds are withdrawn on the scheduled payment date. For paper checks, funds are withdrawn when the recipient deposits the check.
How does Check Supply reduce uncertainty compared with Charles Schwab bill pay?
Check Supply provides step-by-step tracking (queued → printed → mailed) and confirms when the check is deposited, eliminating guesswork about mail timing and delivery status compared to traditional brokerage bill pay.
Does Check Supply hold my money before delivery?
No. With Check Supply, funds stay in your account until your recipient deposits the check. We do not place pre-debit holds.
What if my payee cannot accept electronic payments?
Check Supply specializes in mailed checks with same-day processing if queued by 3 PM ET (Saturdays included) and provides granular status updates through deposit confirmation.
How fast will my payment arrive?
Charles Schwab electronic payments can be same-day or next business day. Charles Schwab-mailed checks typically require 3-5 business days. Check Supply processes in 1 business day with same-day print-and-mail cutoff at 3 PM ET; USPS transit times are not guaranteed.
Do I need to keep using Charles Schwab's bill pay if I use Check Supply?
No. You can use Check Supply independently to generate and mail checks from your Charles Schwab account while still seeing deposit confirmation.
Are there fees for Charles Schwab Bill Pay?
Charles Schwab bill pay fees vary by account type and service arrangement. Check Supply charges a transparent per-check fee for printing and mailing, with tracking included.
Routing Numbers
Send checks securely with Charles Schwab through the Check Supply mobile app