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Is your checkbook looking a little thin? Don't wait until you're down to your last check to reorder! Running out of checks can be a real hassle, especially when you need to make an important payment. Fortunately, Bank of America makes reordering checks a relatively simple process. This comprehensive guide will walk you through every step, ensuring you get your new checks without a hitch.
The Importance of Checks in a Digital Age
While digital payments and online transfers have become increasingly popular, checks still hold a significant place in financial transactions. They are often required for:
- Rent payments: Many landlords still prefer or require checks.
- Utility bills: Some smaller utility companies might not offer robust online payment options.
- Contractors and service providers: For large, one-time payments, checks offer a clear paper trail.
- Gifts: A physical check can be a more personal way to give money.
- Situations where digital payments aren't accepted: There are still plenty of places that operate primarily with traditional methods.
Knowing how to reorder your checks efficiently ensures you're never caught off guard. Let's dive into the various methods available through Bank of America.
Step 1: Gather Your Information – The Crucial First Move!
Before you even think about clicking a button or picking up the phone, take a moment to gather the necessary details. This will make the entire process smoother and prevent any frustrating delays.
What You'll Need:
- Your Bank of America Account Number: This is essential for identifying the correct account for your new checks. You can usually find this on your existing checks, bank statements, or by logging into your online banking.
- Your Bank of America Routing Number: This nine-digit number identifies Bank of America as your financial institution. It's typically printed at the bottom left of your checks.
- Your Existing Check Reorder Information (if applicable): If you've ordered checks before, having your previous order details (like the style, starting check number, or a reorder code) can sometimes expedite the process.
- Your Personal Information: Be ready to verify your identity with details such as your full name, address associated with the account, and possibly your Social Security Number (SSN) or Tax ID (TIN).
- Desired Check Style/Quantity: Have an idea of the design you want and how many boxes of checks you need.
Step 2: Choose Your Preferred Reordering Method
Bank of America offers several convenient ways to reorder checks. Choose the method that best suits your comfort level and schedule.
Option A: Reordering Checks Online (The Most Popular and Easiest Method)
For most users, ordering checks online is the quickest and most convenient option. It's available 24/7, allowing you to reorder at your leisure.
Sub-heading 2.A.1: Accessing Online Banking
- Log In Securely: Go to the official Bank of America website (bankofamerica.com). Look for the "Sign In" button, usually located in the top right corner. Enter your User ID and Passcode to log in to your Online Banking account.
- Pro Tip: Always ensure you're on the legitimate Bank of America website to avoid phishing scams.
- Navigate to Account Services: Once logged in, you'll typically see a summary of your accounts. Look for a section related to "Account Services," "Customer Service," "Help & Support," or a direct link for "Order Checks" or "Reorder Checks." This might be located within a specific checking or savings account details page.
- If you're having trouble locating it, try using the search bar within your online banking portal and type "Order Checks."
Sub-heading 2.A.2: Placing Your Online Order
- Select Your Account: If you have multiple checking accounts, make sure you select the correct one for which you want to reorder checks.
- Initiate the Reorder Process: Click on the "Order Checks" or "Reorder Checks" link. Bank of America often partners with a third-party check printer like Harland Clarke. You'll likely be redirected to their secure portal to complete your order.
- Verify Your Information: The system will typically pre-populate your account and personal details. Carefully review all information, especially your name and mailing address, to ensure accuracy. Any errors here could lead to your checks being sent to the wrong address.
- Choose Your Check Style and Quantity: This is where the fun begins! You'll be presented with various check designs, from basic styles to more elaborate ones featuring scenic landscapes, causes, or characters. You can also select the number of checks you need (e.g., 1 box, 2 boxes).
- Consider Customization: Look for options to add a personal touch, such as a custom monogram, a unique font, or even a special image (if offered). Keep in mind that customization might incur additional costs.
- Review Your Order and Pricing: Before finalizing, you'll see a summary of your order, including the chosen style, quantity, any customization, and the total cost. Be aware that while basic checks might be inexpensive, designer checks or expedited shipping can increase the price.
- Confirm and Pay: Once you're satisfied with your order, proceed to checkout. The cost will usually be debited directly from your Bank of America checking account. You'll typically receive an email confirmation with your order details and an estimated delivery date.
Option B: Reordering Checks by Phone (For Personal Assistance)
If you prefer speaking with a representative or have specific questions about your order, ordering by phone is a great alternative.
Sub-heading 2.B.1: Getting Ready for Your Call
- Have Account Details Handy: Just like online, have your account number, routing number, and personal verification details ready to provide to the representative.
- Know What You Want: While the representative can guide you, having an idea of your preferred check style or any special requests will make the call more efficient.
Sub-heading 2.B.2: Making the Call
- Dial Bank of America Customer Service: For general consumer banking inquiries, you can call Bank of America at 1-800-432-1000. If you have a business account, the number might be different (e.g., 1-888-BUSINESS or 1-888-287-4637). It's always best to check the official Bank of America website for the most current contact numbers.
- Navigate the Automated System: You'll likely encounter an automated menu. Listen carefully for options related to "Account Services," "Ordering Checks," or "Speak to a Representative."
- Speak to a Representative: Once connected, explain that you wish to reorder checks for your checking account. They will guide you through the process, confirm your details, help you select a style, and process the payment.
- Be Patient: Phone wait times can vary, especially during peak hours. Be prepared to wait a few minutes.
Option C: Reordering Checks In Person (For a Personal Touch)
If you prefer face-to-face interaction or need to discuss specific account details, visiting a Bank of America financial center is another viable option.
Sub-heading 2.C.1: Preparing for Your Branch Visit
- Bring Identification: Always carry a valid, government-issued photo ID (like a driver's license or passport) when visiting the bank.
- Know Your Account Info: While a banker can look up your account, having your account number and routing number readily available will speed things up.
- Check Branch Hours: Verify the operating hours of your local Bank of America financial center before you go.
Sub-heading 2.C.2: At the Financial Center
- Approach a Banker: Inform the banker at the counter or customer service desk that you'd like to reorder checks.
- Provide Information: They will ask for your account details and identification to verify your identity.
- Discuss Options: The banker can show you available check designs, discuss pricing, and help you place your order directly. They can also answer any questions you might have about check features or security.
- First-Time Orders: If this is your very first time ordering checks for a new account, visiting a branch or calling might be particularly helpful as they can guide you through setting up your initial check preferences.
Step 3: Confirmation and Delivery – What to Expect Next
Once your order is placed, you'll want to know when your new checks will arrive.
Sub-heading 3.A: Order Confirmation
- Online/Mobile: You'll typically receive an immediate on-screen confirmation after placing your order, followed by an email confirmation detailing your order, cost, and estimated delivery timeframe.
- Phone/In-Person: The representative will confirm your order details and provide an estimated delivery date. You might also receive a mailed confirmation or an email, depending on your communication preferences.
Sub-heading 3.B: Delivery Times and Tracking
- Standard Delivery: For most standard orders, expect your checks to arrive within 7 to 10 business days after the order has shipped. This doesn't include the 1-2 business days it might take for the checks to be printed.
- Expedited Delivery: If you need your checks sooner, you might have the option for expedited shipping (e.g., 2-day or overnight delivery) for an additional fee. Orders typically need to be placed by a certain time (e.g., 11:00 a.m. local time) for expedited options to apply.
- Tracking: Some delivery options, especially expedited ones, may come with a tracking number. Check your order confirmation email or the check printer's website (often Harland Clarke's OrderMyChecks.com) for tracking information.
- PO Boxes: Note that expedited delivery options often do not deliver to PO Boxes. If you use a PO Box, standard mail is usually your only option.
Sub-heading 3.C: Receiving Your Checks
- Your checks will be delivered to the mailing address associated with your Bank of America account or the address you confirmed during the reorder process.
- Upon receipt, immediately inspect the checks to ensure all information (your name, address, account number) is correct and that there are no misprints.
Step 4: Security Best Practices – Protecting Your New Checks
Once your fresh batch of checks arrives, it's paramount to handle them with care to prevent fraud.
Sub-heading 4.A: Storing Your Checks Safely
- Keep Them Secure: Store your blank checks in a safe and private location, away from easy access. Avoid leaving them in unlocked drawers or in your car.
- Never Pre-Sign: Do not sign blank checks in advance. Only sign a check when you are ready to use it and have filled in all the payee and amount details.
Sub-heading 4.B: Writing Checks Securely
- Use Permanent Ink: Always use a pen with blue or black permanent ink to write checks. This makes it harder for fraudsters to alter the information.
- Fill in All Fields: Make sure to fill in all parts of the check, including the date, payee, numerical amount, and written amount. Draw a line through any blank spaces to prevent additions.
- Record Your Checks: Keep a meticulous record of every check you write in your check register. This helps you track your spending and reconcile your account.
Sub-heading 4.C: Monitoring Your Account
- Regularly Review Statements: Periodically review your bank statements (online or paper) to spot any unauthorized transactions or checks that have cleared for incorrect amounts.
- Set Up Alerts: Bank of America allows you to set up account alerts for various activities, such as large withdrawals or low balances. This can help you quickly detect suspicious activity.
10 Related FAQ Questions
Here are some frequently asked questions about reordering checks from Bank of America, with quick answers:
How to find my Bank of America account number?
- You can find your full account number on your existing checks, bank statements, or by logging into your Bank of America Online Banking account and navigating to your account details.
How to find my Bank of America routing number?
- The routing number is typically the nine-digit number printed at the bottom left of your checks, or you can find it on the Bank of America website by searching for your state's routing number.
How to order checks for the first time from Bank of America?
- For first-time orders, you may need to call customer service or visit a financial center to set up your initial check order, as online reordering often requires a previous order history.
How to track my Bank of America check order?
- If you ordered online, check your email confirmation for a tracking link or visit the check printer's website (often Harland Clarke's OrderMyChecks.com) and enter your order details.
How to know when my Bank of America checks will arrive?
- Standard delivery typically takes 7-10 business days after the checks have shipped (allow 1-2 business days for printing). Expedited options are faster, with estimated delivery times provided during the order process.
How to customize my Bank of America checks?
- During the online ordering process, or when speaking with a representative, you'll be presented with various design options, fonts, and sometimes the ability to add monograms or specific images.
How to reorder business checks from Bank of America?
- Business checks can usually be reordered through Bank of America's Small Business Online Banking portal, by calling their business customer service line (e.g., 1-888-BUSINESS), or by visiting a financial center.
How to stop a check payment with Bank of America?
- You can typically place a stop payment order through Bank of America Online Banking, by calling customer service, or by visiting a financial center. Be prepared to provide the check number, amount, and payee.
How to get temporary checks from Bank of America if I'm out?
- If you're completely out of checks and need some immediately, visit a Bank of America financial center. They can often print a few temporary checks for you on the spot.
How to prevent check fraud with Bank of America checks?
- Always store blank checks securely, use permanent ink when writing checks, fill in all fields completely, regularly monitor your bank statements for unauthorized activity, and consider setting up account alerts.
