Do you find yourself running low on checks and wondering, "How much do checks cost at Bank of America?" You're not alone! It's a common question, especially in an increasingly digital world where paper checks are used less frequently but are still essential for certain transactions. Let's break down the costs and processes involved, so you can make an informed decision.
Understanding the Cost of Checks at Bank of America: A Comprehensive Guide
While digital payments and online banking have become the norm, there are still situations where a physical check is indispensable – think rent payments, contractors who prefer checks, or even gifting money. Knowing the cost and how to order them from Bank of America can save you time and hassle.
Step 1: Are You Eligible for Free Checks? Let's Find Out!
Before we dive into specific costs, the first thing you should do is check if you're eligible for free checks. Bank of America offers perks to certain account holders, particularly those enrolled in their Preferred Rewards program.
- Preferred Rewards Program: If you're a Preferred Rewards client, you often qualify for free standard check styles and discounts on non-standard styles. This is a significant saving!
- Specific Account Types: Some Bank of America checking accounts, like the Advantage Plus Banking and Advantage Relationship Banking accounts, may also include paper checks as a standard feature or offer waivers. The Advantage SafeBalance Banking account, however, typically does not include paper checks. It's crucial to consult your Personal Schedule of Fees or directly contact Bank of America to confirm your account's specific benefits.
Engage with me: Have you ever checked your Bank of America account benefits for free checks before? Let me know in the comments below!
Step 2: Accessing the Check Ordering Portal
Once you've determined if you qualify for free checks or need to purchase them, the next step is to access the check ordering portal. Bank of America primarily partners with a third-party vendor, Harland Clarke, for check printing.
Sub-heading: Online Ordering (Recommended Method)
This is usually the most convenient and quickest way to order checks.
- Log In to Online Banking: Go to the Bank of America website and log in to your Online Banking account.
- Navigate to "Order Checks": Look for a section related to "Account Services," "Order Checks," or "Account Management." The exact path might vary slightly, but it's typically easy to find.
- Select Your Account: Choose the checking or savings account for which you want to order checks.
- Browse Styles and Pricing: You'll be directed to the Harland Clarke website, where you can browse various check styles, designs, and accessories. This is where you'll see the actual pricing.
- Standard Checks: These are the basic, no-frills checks. They are generally the most affordable option.
- Custom/Designer Checks: If you want checks with specific designs, images, or special features, these will cost more. The price will depend on the complexity of the design and any additional security features.
- Deposit Tickets: You can also order matching deposit tickets.
- Review and Customize: Before finalizing your order, you'll usually have the option to review your information (name, address, account number) and customize elements like font, starting check number, and any special messages.
- Confirm and Pay: Once you're satisfied, confirm your order and proceed with payment. The cost will be debited directly from your Bank of America account.
Sub-heading: Ordering by Phone
If you prefer to speak with a representative, or if you encounter issues online, you can order checks by phone.
- Gather Information: Have your Bank of America account number, routing number, and any relevant personal identification details ready.
- Call Customer Service: Dial Bank of America's customer service number (usually found on their website or the back of your debit card).
- Explain Your Need: Inform the representative that you wish to order checks. They will guide you through the available options and pricing.
Sub-heading: Ordering In-Person at a Financial Center
While less common for routine check orders, you can also order checks by visiting a Bank of America financial center.
- Visit a Branch: Locate your nearest Bank of America financial center.
- Speak with a Representative: A banking specialist can assist you with ordering checks, showing you available styles, and explaining the costs.
Step 3: Understanding the Pricing Structure
The cost of checks at Bank of America (through Harland Clarke) is variable and depends on several factors:
- Quantity: The more checks you order in a single batch, the lower the per-check cost usually becomes. Common quantities include 100, 150, or 200 checks.
- Style/Design:
- Basic/Standard Checks: These are the least expensive. They typically come in a simple blue, green, or beige design.
- Designer Checks: These feature various patterns, images (e.g., landscapes, animals, causes), or licensed characters. They will carry a higher price tag.
- Custom Checks: If you want to upload your own image or design, this option will be the most expensive due to personalization.
- Security Features: Some checks come with enhanced security features (e.g., holograms, chemical protections). While many standard checks have basic security, advanced features can add to the cost.
- Duplicate Checks: Ordering duplicate checks (where you get a carbon copy of each check) generally costs slightly more than single checks.
- Shipping Options:
- Standard Shipping: This is typically the cheapest or even free option, but takes longer (e.g., 7-10 business days after production).
- Expedited Shipping (Rush Orders): If you need your checks quickly, you can opt for expedited shipping (e.g., 2-day, Overnight AM/PM). This will incur an additional fee, which can be significant (e.g., an extra $20 or more). Orders usually need to be placed by a certain time (e.g., 11:00 a.m. local time) for rush processing.
- Accessories: Items like checkbook covers, registers, or deposit bag products are sold separately and will add to your total cost.
It's important to note: Bank of America does not publicly list exact checkbook prices on their general website because they vary so much based on these factors and are handled by their third-party provider. You will see the specific cost during the online ordering process before you finalize your purchase.
Step 4: Cost Examples (Approximate)
While exact prices are dynamic and seen at the time of order, here are some approximate cost ranges you might encounter for personal checks from Bank of America's preferred vendor:
- Standard Checks (100-150 checks): You might expect to pay anywhere from $20 to $40 for a box.
- Designer/Specialty Checks: These can range from $30 to $60 or more per box, depending on the design.
- Expedited Shipping: Add an additional $15 to $30+ for faster delivery.
Pro-Tip: If you only need a few checks for a rare occasion, consider using Bank of America's Online Bill Pay service. For many payees, they can send an electronic payment or even mail a physical check on your behalf without you needing a checkbook. This can be a significant cost-saver if you rarely use checks.
Step 5: Cost-Saving Alternatives
If the cost of ordering checks directly through Bank of America seems high, there are a few alternatives:
- Third-Party Check Printers: Websites like WalmartChecks.com or others specialize in printing checks for a lower cost. You'll need your bank account number and routing number to order. Be sure to use a reputable vendor. This can often save you a significant amount.
- Bank of America Bill Pay: As mentioned, use Bank of America's online bill pay service to send payments electronically or via mailed checks. This is often free for most standard payments.
- Cashier's Checks/Money Orders: For single, high-value payments where you need guaranteed funds, consider a cashier's check (typically $15 fee at Bank of America, waived for Preferred Rewards) or a money order (usually a few dollars at a post office or grocery store).
- Print Your Own Checks: For businesses, or those comfortable with the process, software and blank check stock paper allow you to print your own checks. This can be significantly cheaper in the long run.
Frequently Asked Questions (FAQs)
Here are 10 related FAQ questions that start with 'How to' with their quick answers:
How to get free checks from Bank of America?
You can get free standard checks from Bank of America if you are enrolled in their Preferred Rewards program or have certain premium checking accounts like Advantage Plus or Advantage Relationship Banking. Check your account's Personal Schedule of Fees or inquire directly with the bank.
How to order checks online from Bank of America?
Log in to your Bank of America Online Banking account, navigate to the "Account Services" or "Order Checks" section, select your account, and follow the prompts to browse styles and place your order through their preferred vendor (Harland Clarke).
How to find my Bank of America routing number for ordering checks?
Your Bank of America routing number can be found on your existing checks (the bottom left set of numbers), within your Online Banking account details, or by searching on the Bank of America website for your specific state.
How to expedite a check order from Bank of America?
During the online check ordering process, you will typically have options for expedited shipping (e.g., 2-day, Overnight AM/PM) at an additional cost. Select your preferred rush delivery method before finalizing the order.
How to reorder checks from Bank of America?
If you've ordered checks before, you can usually reorder the same style quickly through your Bank of America Online Banking account by navigating to the "Order Checks" section and looking for your previous order history.
How to get a temporary check from Bank of America if I'm out of checks?
If you need a check immediately and are out, you can usually request a temporary check or a starter pack from a Bank of America financial center. Some branches may also print cashier's checks for a fee (waived for Preferred Rewards members).
How to save money on Bank of America checks?
To save money, consider if you qualify for free checks through Preferred Rewards or your account type. Otherwise, explore ordering from reputable third-party check printing services, using Bank of America's online bill pay, or printing your own checks if applicable.
How to check the status of a Bank of America check order?
You can typically check the status of your recent check order by logging into your Bank of America Online Banking account or mobile app, navigating to the "Order Checks & Deposit Tickets" section. Orders made within the last 60 days should be displayed.
How to use Bank of America's online bill pay instead of checks?
Log in to your Bank of America Online Banking account, find the "Bill Pay" section, and set up your payees. You can schedule one-time or recurring payments, and Bank of America will either send an electronic payment or mail a physical check on your behalf.
How to get a cashier's check at Bank of America?
If you are a Bank of America customer with a checking or savings account, you can get a cashier's check for a $15 fee. This fee is waived for customers enrolled in the Preferred Rewards program. You can obtain one at any Bank of America financial center.
