Ever found yourself in that classic scenario where you urgently need a checkbook, but you're not quite sure where to begin? Maybe you're moving, setting up a new utility, or need to pay a contractor who prefers good old-fashioned paper. Whatever your reason, getting a Bank of America checkbook doesn't have to be a headache. This comprehensive guide will walk you through every step, ensuring you get your checks smoothly and efficiently.
Ready to take control of your financial payments? Let's dive in!
Step 1: Determine Your Need and Eligibility
Before you even think about placing an order, it's crucial to understand why you need a checkbook and whether your Bank of America account is set up for it.
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1.1 Assess Your Need for Checks:
- Are you paying rent? Many landlords still prefer physical checks.
- Do you need to make payments to individuals or businesses that don't accept electronic transfers? Some smaller vendors or individuals might only accept checks.
- Is it for a one-time payment or ongoing use? This will influence how many checks you order. For a single payment, alternative options like a cashier's check or bill pay might be more suitable (we'll touch on those later!).
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1.2 Verify Your Account Type:
- Not all Bank of America accounts automatically come with check-writing privileges. For instance, some basic savings accounts or "SafeBalance Banking" accounts might not support checks.
- It's essential to confirm that your specific checking account allows for checkbook ordering. You can usually find this information in your account's terms and conditions, or by quickly checking your online banking portal. If unsure, a quick call to customer service (see Step 2.3) will clarify this.
Step 2: Choose Your Ordering Method
Bank of America offers several convenient ways to order a checkbook, catering to different preferences.
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2.1 Ordering Online (The Easiest & Most Common Method):
- Sub-heading: Accessing Online Banking
- Navigate to the official Bank of America website (
bankofamerica.com - Click on "Sign In" and enter your User ID and Passcode.
- If you're not already enrolled in Online Banking, now's the time! Look for the "Enroll" option and follow the prompts. It's a quick process that unlocks a world of self-service options.
- Navigate to the official Bank of America website (
- Sub-heading: Navigating to the Check Ordering Section
- Once logged in, look for a section related to "Account Services," "Order Checks & Deposit Tickets," or "Information & Services." The exact wording might vary slightly, but it's usually intuitively placed.
- Select the specific checking account for which you want to order checks.
- Sub-heading: Customizing and Placing Your Order
- You'll typically be redirected to a third-party check printer's website (often Harland Clarke), which is securely integrated with Bank of America.
- Here, you can:
- Choose your check style and design. From basic designs to themed options, you'll have a variety to pick from.
- Select the quantity of checks.
- Verify your personal information (name, address, phone number) pre-printed on the checks. Double-check for accuracy!
- Add any optional features like duplicate checks or security features.
- Review the cost of your order. Preferred Rewards clients and certain account types may qualify for free standard checks or discounts.
- Confirm your shipping address and choose your delivery method.
- Finalize your purchase. You'll usually see the charge deducted from your Bank of America account.
- Sub-heading: Accessing Online Banking
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2.2 Ordering via Mobile Banking App:
- Sub-heading: Using the Bank of America Mobile App
- Download and open the Bank of America Mobile Banking app on your smartphone or tablet.
- Log in using your User ID and Passcode.
- Sub-heading: Locating the Check Order Feature
- Select your checking or savings account.
- Look for an option like "Order Checks & Deposit Tickets" within the account details or services menu.
- Sub-heading: Completing Your Order on Mobile
- The process will be similar to online banking, guiding you through design selection, quantity, and address verification.
- The mobile app offers a convenient way to order checks on the go.
- Sub-heading: Using the Bank of America Mobile App
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2.3 Ordering by Phone:
- If you prefer speaking with a representative or have specific questions, you can call Bank of America's customer service.
- Have your account number and personal identification information ready.
- You can typically find the customer service number on the back of your debit card, on your bank statements, or by visiting the "Contact Us" section of the Bank of America website. The general number for online banking support is 800.432.1000.
- A representative will guide you through the available options and place the order for you. This can be helpful if you need assistance with specific designs or have questions about fees.
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2.4 Ordering in Person at a Financial Center:
- Sub-heading: Finding a Bank of America Financial Center
- Use the Bank of America locator tool on their website or mobile app to find the nearest financial center.
- Sub-heading: What to Bring and Expect
- Bring a valid photo ID (e.g., driver's license, passport).
- Have your account information readily available.
- A bank representative can assist you with placing a checkbook order, and they may even be able to provide temporary checks on the spot if you need them immediately (though availability can vary by branch and account type). This method is ideal if you need in-person assistance or have complex requirements.
- Sub-heading: Finding a Bank of America Financial Center
Step 3: Review and Confirm Your Order
Regardless of the method you choose, a crucial step is to carefully review all the details of your checkbook order before confirming.
- 3.1 Double-Check Personal Information:
- Ensure your name, address, and phone number are printed correctly. Any errors could lead to issues with check acceptance or mail delivery.
- 3.2 Verify Account Details:
- Confirm that the correct account number and routing number are displayed on the sample check. These are critical for proper processing.
- 3.3 Understand Costs and Fees:
- Be aware of any charges for the checks themselves, as well as shipping fees. As mentioned, Preferred Rewards members or certain account types may have these fees waived or discounted.
- 3.4 Note Delivery Information:
- Take note of the estimated delivery timeframe and any tracking information provided.
Step 4: Receive Your Checkbook
Once your order is placed, it's a waiting game, but usually not a long one!
- 4.1 Delivery Timeframes:
- Standard delivery for checkbooks typically takes 5 to 7 business days after the product has shipped.
- Expedited shipping options (like overnight or 2-day delivery) are often available for an additional fee if you need your checks sooner. These typically involve in-plant rush processing and quicker shipping times.
- 4.2 Tracking Your Order (If Available):
- If you ordered online, you might receive a tracking number via email or within your online banking portal. This allows you to monitor the status of your shipment.
- 4.3 What to Do Upon Receipt:
- Once your checkbook arrives, inspect it immediately to ensure all the details are correct and there are no printing errors.
- Store your checkbook in a secure location to prevent theft or unauthorized use.
Step 5: Using Your New Checkbook Safely
Congratulations, you have your new checkbook! Now, let's talk about using it responsibly.
- 5.1 Record-Keeping is Key:
- Always fill out the check register provided in your checkbook. This helps you track your spending and reconcile your account.
- Note the check number, date, payee, and amount for every check you write.
- 5.2 Writing Checks Correctly:
- Use a non-erasable pen.
- Write clearly and legibly.
- Ensure the numerical amount matches the written amount on the check.
- Sign your check with your signature as it appears on file with the bank.
- 5.3 Security Best Practices:
- Never leave blank signed checks lying around.
- Shred old or unused checks to prevent fraud.
- Regularly review your bank statements to identify any unauthorized transactions.
- If your checkbook is lost or stolen, report it to Bank of America immediately (see FAQ section).
Frequently Asked Questions (FAQs)
Here are 10 common questions related to ordering a Bank of America checkbook:
How to get starter checks from Bank of America? While Bank of America generally doesn't offer free "starter checks" from branches anymore, you might be able to get a temporary sheet of checks (often for a fee) if you visit a financial center. Alternatively, consider using online bill pay for immediate needs while you wait for your official checkbook.
How to track a Bank of America check order? If you ordered online, you might receive a tracking number via email from Harland Clarke (Bank of America's check printer) or find it within your Bank of America online banking portal. You can then use this tracking number on the carrier's website.
How to cancel a Bank of America check order? To cancel a check order, it's best to contact Bank of America customer service as soon as possible after placing the order. The sooner you call, the higher the chance of successful cancellation before printing begins.
How to find the cost of a Bank of America checkbook? The cost of a checkbook varies depending on the style, quantity, and whether you qualify for any discounts (e.g., Preferred Rewards clients). You will see the exact cost displayed during the online ordering process before you finalize your purchase.
How to get free checks from Bank of America? Standard checks are often free for Bank of America Preferred Rewards clients. Certain account types may also offer free or discounted checks. Check your account details or speak with a representative to see if you qualify.
How to order duplicate checks from Bank of America? When ordering online or through the mobile app, you'll usually have an option to select "duplicate checks" (which create a carbon copy of each check you write) during the customization process.
How to order deposit slips for Bank of America? You can order deposit slips at the same time you order checks through your Bank of America online banking portal or mobile app. The option to order deposit tickets is usually found alongside the check ordering feature.
How to report a lost or stolen Bank of America checkbook? Immediately contact Bank of America customer service at 1.800.432.1000 to report a lost or stolen checkbook. They will advise you on the next steps, including potentially placing a stop payment on any unwritten checks.
How to change the address on a Bank of America checkbook order? Your checkbook order will automatically use the address on file with Bank of America. To change your address for check orders and all other bank communications, you'll need to update it through your online banking profile or by visiting a financial center.
How to expedite a Bank of America checkbook order? During the online ordering process, you will typically be given options for expedited shipping (e.g., overnight, 2-day delivery) for an additional fee. This will significantly reduce the time it takes to receive your checks.
