Ready to take control of your finances and send payments the old-fashioned, reliable way? Ordering a checkbook for your Bank of America account is a straightforward process, and I'm here to guide you through it, step by step! Whether you're a seasoned check-writer or just starting, we'll make sure you get those checks in hand.
The Comprehensive Guide to Ordering a Checkbook from Bank of America
Having a checkbook can be incredibly useful for various situations, from paying rent to making charitable donations, or even for those times when a digital payment just won't cut it. Bank of America offers several convenient ways to order a new checkbook, catering to your preference and comfort level.
Step 1: Determine Your Checkbook Needs and Account Eligibility
Before we dive into the "how," let's quickly address the "what."
- Do you currently have a Bank of America checking account? This is, of course, the most crucial prerequisite. You can only order checks for an active Bank of America checking account.
- What type of checking account do you have? It's important to note that certain Bank of America accounts, like the Advantage SafeBalance Banking account, generally do not allow for personal paper checks. If you have this type of account, you'll need to explore alternative payment methods or consider upgrading your account if checks are a necessity.
- Are you reordering or ordering for the first time? Reordering is often quicker, as your previous design and details are usually saved. Ordering for the first time might involve a few more personalization options.
- Consider your design preferences: Bank of America, through its check printing partner (often Harland Clarke), offers a variety of check designs. Do you prefer a standard, classic look, or something more unique? Think about it now, as you'll have options during the ordering process.
Now, let's get into the nitty-gritty of ordering!
Step 2: Choose Your Preferred Ordering Method
Bank of America provides multiple avenues for ordering checks. Pick the one that suits you best!
Sub-heading: Option A: Online Banking (The Easiest and Most Recommended)
This is by far the most convenient way to order checks. If you're already enrolled in Bank of America's Online Banking, you're halfway there!
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Log In to Your Online Banking Account:
- Open your web browser and go to the official Bank of America website.
- Locate the "Log In" button (usually in the top right corner) and enter your User ID and Passcode.
- Make sure you're on the legitimate Bank of America website to protect your information! Look for "https://" in the address bar and a padlock icon.
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Navigate to the Check Ordering Section:
- Once logged in, you'll typically see a summary of your accounts.
- Find your checking account from which you wish to order checks.
- Look for an option like "Order Checks & Deposit Tickets," "Account Services," or "Information & Services." This link is usually found within the details of your checking account.
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Initiate the Order:
- Click on the "Order Checks" or similar link.
- If you've ordered before, you might see your previous order details, making it a quick reorder.
- If it's your first time, you'll be prompted to select a design and enter your information.
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Customize Your Order (If Applicable):
- You'll likely be directed to a secure third-party website (often Harland Clarke, Bank of America's check provider) to finalize your order.
- Here, you can:
- Choose your check design (standard, scenic, security features, etc.).
- Select the quantity of checks.
- Add any personalization like a custom line for your business name (if applicable).
- Review your shipping address to ensure it's correct.
- Select your shipping method (standard, expedited, etc.).
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Review and Confirm:
- Carefully review all the details of your order: account number, routing number, name, address, check design, quantity, and total cost.
- Pay close attention to any fees associated with certain check styles or expedited shipping. Preferred Rewards clients often qualify for free standard check styles or discounts.
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Submit Your Order:
- Once you're satisfied, confirm your order. You'll typically receive an order confirmation number and an estimated delivery date.
Sub-heading: Option B: Bank of America Mobile Banking App
For those who prefer managing their finances on the go, the Bank of America mobile app offers a streamlined process.
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Open and Log In to the Mobile App:
- Launch the Bank of America Mobile Banking app on your smartphone or tablet.
- Enter your User ID and Passcode, or use biometric login (fingerprint/face ID) if enabled.
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Navigate to the Checking Account:
- From the main dashboard, tap on your checking or savings account.
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Find the "Order Checks" Option:
- Scroll down within your account details. You should see an option labeled "Order Checks & Deposit Tickets."
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Follow On-Screen Prompts:
- Similar to online banking, you'll be guided through the selection of check style, quantity, and shipping options.
- The process is designed to be intuitive and user-friendly.
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Review and Confirm:
- Double-check all the order details before submitting.
Sub-heading: Option C: By Phone
If you prefer to speak with a representative, you can always call Bank of America's customer service.
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Gather Your Information:
- Have your Bank of America account number readily available.
- Be prepared to verify your identity with personal information (e.g., last four digits of your Social Security number, mother's maiden name, address).
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Dial the Customer Service Number:
- Call Bank of America's general customer service number: 1-800-432-1000.
- For accessible banking services, this number is also applicable.
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Follow the Prompts and Speak to a Representative:
- Listen to the automated menu options and select the one related to "account services" or "ordering checks."
- You'll eventually be connected to a customer service representative.
- Clearly state that you wish to order a new checkbook.
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Provide Order Details:
- The representative will guide you through the process, confirming your account details, asking about your preferred check style, quantity, and shipping method.
- They will also inform you about any associated fees.
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Confirm Your Order:
- Listen carefully as the representative reiterates your order details. Confirm everything is correct before they finalize the order.
Sub-heading: Option D: In Person at a Financial Center
For those who prefer face-to-face interaction or need personalized assistance, visiting a Bank of America financial center is a viable option.
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Locate Your Nearest Financial Center:
- Use the Bank of America website's "Locations" tool or the mobile app's "Find Locations" feature to find a branch near you.
- It's a good idea to check their operating hours before you go.
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Gather Necessary Identification:
- Bring a valid government-issued photo ID (e.g., driver's license, passport).
- Have your Bank of America debit card or account number readily available.
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Speak with a Bank Representative:
- Upon arrival, inform a bank associate that you wish to order a checkbook.
- They will assist you in filling out the necessary forms and guiding you through the available options.
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Review and Authorize:
- The representative will show you the available check designs and discuss any costs.
- Review all the information on the order form carefully before signing to authorize the order.
Step 3: Understanding Costs and Delivery
Now that you've placed your order, let's talk about what to expect next.
Sub-heading: Checkbook Costs
- Standard Checks: The cost of checks can vary depending on the style and quantity you choose.
- Preferred Rewards: Bank of America Preferred Rewards clients and certain account types often qualify for free standard check styles and discounts on non-standard styles. It's always a good idea to check if you're eligible for these benefits.
- Expedited Shipping: If you need your checks quickly, opting for expedited shipping will incur an additional fee. This will be clearly stated during the ordering process.
Sub-heading: Delivery Times
Delivery times can vary based on the shipping method you select.
- Standard First-Class Mail: Typically, checks delivered via standard First-Class Mail arrive within 5 to 7 business days after the product has shipped. This option is usually not trackable.
- Standard/Trackable Delivery: This option generally takes 7 to 10 business days after shipping but offers tracking capabilities.
- Expedited Options (Overnight/2-Day): If you choose expedited shipping (Overnight AM, Overnight PM, or 2-Day), your checks can arrive much faster, usually within 1-2 business days after processing (which may take an additional 1-2 business days). Note: Expedited shipping usually doesn't deliver to P.O. Box addresses.
- Processing Time: Remember to factor in 1-2 business days for the check printing process itself, especially for standard delivery methods.
Sub-heading: Tracking Your Order
- If you chose a trackable shipping method, you should receive a tracking number via email or within your online banking portal. You can use this number on the check provider's website (e.g., Harland Clarke) to monitor the delivery status of your checkbook.
- For non-trackable methods (like standard First-Class Mail), you'll need to wait within the estimated delivery window.
Step 4: What to Do When Your Checkbook Arrives
Once your new checkbook arrives, follow these important steps:
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Verify the Information:
- Carefully check all the printed information on your checks: your name, address, account number, and routing number. Ensure everything is accurate.
- If there are any errors, contact Bank of America customer service immediately.
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Sign Your Checks:
- It's a good habit to sign your checks immediately upon receipt. This helps prevent unauthorized use if your checkbook is lost or stolen.
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Record Your First Check Number:
- Note down the starting check number in your personal financial records or budgeting software. This helps you keep track of your check usage.
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Store Securely:
- Keep your checkbook in a safe and secure place to prevent theft or unauthorized access. Treat it like cash.
Step 5: Using Your Checkbook Responsibly
Having a checkbook comes with responsibilities to ensure your financial security.
- Always reconcile your statements: Compare your checkbook register (if you keep one) with your bank statements to ensure all transactions are accounted for.
- Never sign blank checks: This is a major security risk. Only sign a check when all other details (payee, amount) are filled in.
- Be wary of scams: Be cautious of requests to send checks to unknown individuals or organizations.
- Shred old checks: When you dispose of old checks or check copies, always shred them to protect your personal and financial information.
Frequently Asked Questions (FAQs)
Here are 10 common questions about ordering a checkbook from Bank of America, with quick answers:
How to reorder checks if I've ordered them before?
Log in to your Bank of America Online Banking or Mobile Banking app, navigate to your checking account, and select "Order Checks & Deposit Tickets." Your previous order details should be readily available for a quick reorder.
How to find out the cost of ordering checks from Bank of America?
The exact cost depends on the check style, quantity, and your Preferred Rewards status. You can view the specific costs by logging into Online Banking and starting the order process, or by reviewing your Personal Schedule of Fees.
How to get free checks from Bank of America?
Bank of America Preferred Rewards clients and certain account types may qualify for free standard check styles. Check your account details or Preferred Rewards status within Online Banking for eligibility.
How to track my Bank of America check order?
If you selected a trackable shipping method, you will receive a tracking number (often from Harland Clarke, Bank of America's check provider) via email. You can use this number on their website to track your order.
How to order deposit slips with my checkbook?
You can usually order deposit slips at the same time you order checks through Bank of America's Online Banking, Mobile Banking app, or by speaking with a representative. The option is typically bundled with "Order Checks & Deposit Tickets."
How to expedite my checkbook delivery?
During the online or phone ordering process, you will have options for expedited shipping (e.g., Overnight, 2-Day delivery) for an additional fee.
How to change the address on my checks?
Before ordering new checks, you should update your address with Bank of America through Online Banking (Profile & Settings), by calling customer service, or by visiting a financial center. Once your address is updated, new checks will reflect the correct information.
How to order checks for a business account with Bank of America?
Business checks can typically be ordered through Bank of America's Small Business Online Banking, by contacting business customer service, or by visiting a financial center specializing in business accounts.
How to find my account number and routing number for ordering checks?
You can find your full account number and the Bank of America routing number by logging into your Online Banking account or mobile app. This information is usually displayed on your account summary or details page.
How to cancel a check order from Bank of America?
If you need to cancel a check order, contact Bank of America customer service as soon as possible. The ability to cancel depends on how far along the order process is.