Do you need a blank check from Bank of America? Perhaps you're setting up a new direct deposit, need to provide your routing and account number for an online payment, or simply prefer to have a physical blank check on hand for occasional use. While the world is increasingly digital, paper checks still have their place. This comprehensive guide will walk you through exactly how to get a blank check from Bank of America, step by step, with various options to suit your needs.
Ready to get your blank check? Let's dive in!
Step 1: Understand Your Needs and Why You Need a "Blank" Check
Before you even start, take a moment to consider why you need a blank check. The term "blank check" can sometimes be misleading. Are you looking for:
- A truly blank, physical check from your checkbook? This is the most common interpretation.
- Your routing and account number? Often, what people really need is just these numbers for direct deposit or online payments, which can be found in various places without needing a physical blank check.
- A voided check? This is a check from your book with "VOID" written across it, used to provide account information securely without allowing the check to be cashed.
Knowing your exact requirement will help you choose the most efficient method.
Step 2: Accessing Your Bank of America Account Information
Often, you don't need a physical blank check to provide your bank details. Your routing and account numbers are the crucial pieces of information.
Sub-heading: Option A: Through Online Banking (Recommended for Speed and Convenience)
This is by far the easiest and fastest way to get the information you need, whether it's your full account details or to initiate a check order.
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Log In to Bank of America Online Banking:
- Go to the official Bank of America website (bankofamerica.com).
- Click on "Login" and enter your User ID and Passcode.
- If you haven't enrolled in online banking yet, you'll need to do so first. It's a quick process that usually requires your account number and Social Security number.
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Navigate to Account Details:
- Once logged in, find your checking or savings account.
- Look for a section like "Account Details," "Account Info," or "Information & Services." This might be a tab, a link, or an option in a dropdown menu associated with your account.
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Locate Routing and Account Numbers:
- Within the account details, you should easily find your routing number and full account number. Bank of America makes this information readily accessible for purposes like direct deposit setup.
- Important Note: Your routing number can vary depending on where you opened your account and the type of transaction (e.g., direct deposit vs. wire transfer). Always confirm the correct routing number for your specific need.
Sub-heading: Option B: Through the Bank of America Mobile App
The mobile app offers a similar, streamlined experience to online banking.
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Open the Bank of America Mobile App:
- Log in using your User ID and Passcode, or with Face ID/Fingerprint if enabled.
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Select Your Account:
- Tap on the checking or savings account for which you need the information.
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Find Account Details:
- Look for an option like "Account details," "Order checks & deposit tickets," or a similar link within the account summary. This will typically display your routing and account numbers.
Step 3: Ordering Physical Blank Checks from Bank of America
If you require a physical checkbook, Bank of America provides several ways to order new checks.
Sub-heading: Option A: Ordering Online (Most Popular Method)
This is the most common and often quickest way to get a new set of personalized blank checks.
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Log In to Online Banking (as described in Step 2, Option A).
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Navigate to "Order Checks & Deposit Tickets":
- From your account summary or account details page, look for a link or button that says "Order Checks & Deposit Tickets" or "Reorder Checks."
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Select Your Check Style and Quantity:
- You'll be directed to a check ordering portal (often powered by Harland Clarke, Bank of America's check provider).
- Browse through various check designs, security features, and quantities. You can choose standard checks or more elaborate designs.
- Be aware that costs vary depending on the style and quantity you choose. Preferred Rewards clients and certain account types may qualify for free standard checks or discounts.
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Verify Your Information:
- Confirm that your name, address, account number, and routing number are correctly displayed on the preview.
- Double-check your shipping address!
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Review and Place Your Order:
- Review the total cost, including any shipping fees.
- Select your preferred shipping method (standard delivery typically takes 5-7 business days after printing). Expedited options are available for an extra fee.
- Confirm your order. You'll usually receive an email confirmation.
Sub-heading: Option B: Ordering by Phone
If you prefer to speak with a representative or have specific questions about your order, you can order checks by phone.
- Gather Your Account Information: Have your account number, routing number, and personal details ready.
- Call Bank of America Customer Service:
- The general customer service number for deposit accounts and accessible banking services is 1-800-432-1000.
- Follow the prompts to connect with a representative who can assist you with ordering checks.
- Discuss Options and Place Order: The representative will guide you through the available check styles, pricing, and shipping options. They will place the order on your behalf.
Sub-heading: Option C: Visiting a Financial Center (Branch)
While not the most common way to order a full checkbook, you can certainly visit a Bank of America financial center. This might be useful if you need a temporary or starter check immediately, though it's important to note that Bank of America generally does not issue temporary or counter checks.
- Find a Local Financial Center: Use the Bank of America website or mobile app to locate the nearest branch.
- Bring Required Identification: Always bring a valid government-issued ID (driver's license, passport, etc.) and your debit card.
- Speak with a Teller or Representative: Explain that you need to order checks. They can assist you with the online ordering process or answer any questions you have. They may be able to provide a limited number of counter checks for immediate use if their policy allows, but this is not guaranteed for full blank checks.
Step 4: Understanding and Utilizing a Voided Check
Sometimes, what you need isn't a brand new blank check, but rather a voided check to provide your account information securely. This is often requested for setting up direct deposits, automatic bill payments, or linking external accounts.
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Retrieve a Blank Check from Your Checkbook:
- Take one of the blank checks you already have or have ordered.
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Write "VOID" Clearly Across the Front:
- Using a blue or black ink pen, write the word "VOID" in large, clear letters across the entire front of the check.
- Write it multiple times if necessary to ensure it covers the entire check, but do not obscure the routing number or account number at the bottom. The goal is to make it impossible to cash, but still allow the numbers to be legible.
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Do NOT Sign the Voided Check:
- A voided check should never be signed.
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Make a Copy (Optional but Recommended):
- Before submitting it, make a photocopy or take a clear picture of the voided check for your records.
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Submit the Voided Check:
- Provide the voided check to the party requesting your account information. This securely gives them your routing and account numbers without the risk of the check being used for payment.
Step 5: Alternative Solutions for Check Printing (Third-Party)
While Bank of America offers various ways to order checks, some third-party services specialize in printing checks quickly and often at a lower cost. These can be useful if you need checks very fast or prefer more customizable options.
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Research Reputable Third-Party Check Printers:
- Look for services like Deluxe, Checks Unlimited, or others that specialize in check printing. Many online articles review and compare these services.
- Be cautious and ensure the service is secure and reputable before providing your banking information.
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Provide Your Bank of America Details:
- You will typically need to provide your Bank of America routing number, account number, and your name and address exactly as they appear on your bank account.
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Choose Your Design and Place Order:
- Select your preferred check design, quantity, and shipping speed.
- Review all details carefully before finalizing your purchase.
Important Considerations:
- Security: Always be vigilant when providing your banking information. Only use secure websites and reputable services.
- Cost: Standard checks generally have a fee, but Bank of America Preferred Rewards clients may receive free standard checks. Prices can vary widely based on style and quantity.
- Delivery Time: Standard check orders typically take 5-10 business days for delivery. If you need them faster, expedited shipping is usually available for an extra charge.
- Routing Numbers: Remember that routing numbers can differ for various transaction types (e.g., direct deposit, wire transfers). Always confirm the correct routing number for the specific purpose.
Frequently Asked Questions (FAQs)
How to find my Bank of America routing number without a check?
You can find your Bank of America routing number by logging into your online banking account or mobile app, where it's usually listed under "Account Details." You can also find it on the Bank of America website's "Routing Numbers" FAQ page, by calling customer service, or by looking at a previous bank statement.
How to order starter checks from Bank of America instantly?
Bank of America typically does not provide "starter" or "temporary" checks instantly at branches. Your best bet for quick access to your account details for direct deposit is through online banking or the mobile app, or by voiding an existing check. For physical checks, you'll need to place an order online or by phone.
How to get a counter check from Bank of America?
Bank of America generally does not issue counter checks. If you need a physical check for immediate use, your options are usually to order a full checkbook or to use a money order or cashier's check from the bank for specific payments.
How to reorder checks from Bank of America online?
Log in to your Bank of America online banking account, navigate to your checking or savings account, and look for the "Order Checks & Deposit Tickets" option. From there, you can easily reorder your previous check style or select a new one.
How to get free blank checks from Bank of America?
Bank of America Preferred Rewards clients often qualify for free standard check styles. Check your account benefits or the "Order Checks" section in online banking to see if you are eligible for complimentary checks.
How to provide my Bank of America account and routing number for direct deposit?
You can usually provide a voided check, or simply write down your routing number (found online or in your mobile app) and your full account number (also found online or in your mobile app) on the direct deposit form.
How to fill out a blank check properly?
To fill out a blank check, write the current date, the payee's name ("Pay to the order of"), the numerical amount in the box, the written-out amount on the line below, an optional memo, and your signature on the bottom right. Use blue or black ink and fill in all spaces to prevent fraud.
How to void a Bank of America check?
To void a Bank of America check, simply take a blank check from your checkbook and write the word "VOID" in large, clear letters across the entire front of the check using a blue or black ink pen. Do not sign it.
How to track my Bank of America check order?
When you order checks online, you will usually receive a confirmation email with tracking information from Harland Clarke, Bank of America's check provider. You can use this tracking number on their website to monitor your order's status.
How to get a check when I don't have a checkbook?
If you don't have a checkbook and need a check for a specific payment, consider alternatives like a cashier's check or money order from Bank of America, using online bill pay if available, or setting up an electronic transfer (e.g., Zelle, ACH transfer) directly from your account. If you need a full checkbook, you'll need to order one as described in this guide.
