Life throws curveballs, doesn't it? One minute you're breezing along, and the next you realize you're out of checks or need a few quickly for an unexpected payment. If you bank with Bank of America, getting temporary checks is a straightforward process, but knowing exactly what to do can save you time and frustration. Let's dive in and get you those checks!
How to Get Temporary Checks from Bank of America: Your Complete Guide
This comprehensive guide will walk you through every step to obtain temporary checks from Bank of America, ensuring you're prepared for whatever comes your way.
Step 1: Identify Your Immediate Need and Options - Where Are You Right Now?
Before we even talk about how to get the checks, let's figure out your situation. Are you reading this from the comfort of your home, or are you out and about, realizing you need checks right now? Your immediate circumstances will influence the best approach.
- Scenario A: I'm at home, have internet access, and can wait a few days.
- Great! This is typically the easiest and most convenient route. You can likely order checks online.
- Scenario B: I need checks today or tomorrow, and I can get to a Bank of America financial center.
- No problem! Visiting a branch is often the quickest way to get a small quantity of temporary checks.
- Scenario C: I need checks but cannot get to a physical branch right away, and I don't want to wait for mail.
- This scenario might be a bit trickier, but we'll explore some alternatives, including digital payments or perhaps a check by phone option if available for your specific need.
Understanding your urgency and accessibility will help you choose the most efficient path.
Step 2: Gather Your Essentials - What You'll Need
Regardless of the method you choose, having the right information readily available will make the process much smoother. Think of it like preparing for a mini-expedition!
Sub-heading: Personal Identification
- Government-Issued Photo ID: This is crucial for in-person visits. Acceptable IDs include a driver's license, state ID, or passport. Make sure it's current and not expired.
- Social Security Number (SSN): You'll likely need this for verification purposes, especially when dealing with your account.
- Bank of America Account Number: Knowing your checking account number is paramount. You can usually find this on your existing checks, bank statements, or by logging into your online banking.
- Debit Card (Optional but Recommended): Having your debit card handy can sometimes assist with identification or quick access to your account information, particularly if you're using an ATM or speaking with a representative over the phone.
Sub-heading: Account Specifics
- Routing Number: While not always strictly necessary for temporary checks, it's good to know for general banking purposes. It's usually printed on your checks.
- Current Residential Address: Ensure the bank has your most up-to-date address on file, as this is where any mailed checks will be sent.
- Contact Information: Your phone number and email address should be accurate in their system.
Step 3: Choose Your Method - In-Branch, Online, or Phone
Bank of America offers a few primary ways to obtain checks. Let's break them down.
Sub-heading: Method A: Visiting a Bank of America Financial Center (Recommended for Urgent Needs)
This is often the fastest way to get a small number of temporary checks.
- Locate Your Nearest Financial Center: Use the Bank of America website or mobile app to find the closest branch. You can search by zip code or current location.
- Check Operating Hours: Always verify the branch's operating hours before you head out. Nothing is more frustrating than arriving to find the doors closed!
- Prepare for Your Visit:
- Bring your government-issued photo ID.
- Have your Bank of America account number readily available.
- Be ready to answer a few security questions to verify your identity.
- Speak with a Teller or Personal Banker:
- Inform them that you need temporary checks for your checking account.
- They will typically print a small quantity (often 3-5 checks) directly from their system. These checks will have your account information and routing number pre-printed.
- Ask about any associated fees. While standard temporary checks for immediate use are often free, it's always good to confirm.
- Inquire about ordering full checks: While you're there, this is a great opportunity to ask about ordering your regular supply of personalized checks.
Sub-heading: Method B: Ordering Checks Online (Most Convenient for Regular Orders)
This method is ideal if you're not in a hurry and prefer the convenience of managing your banking from home. Keep in mind, temporary checks obtained online usually refer to ordering your first full box of checks or a reorder, which then gets mailed to you. Bank of America's online portal for check ordering typically doesn't provide a printable "temporary check" like you'd get in-branch.
- Log In to Online Banking:
- Go to the Bank of America website (
www.bankofamerica.com - Pro-tip: Have your User ID and Passcode ready.
- Go to the Bank of America website (
- Navigate to Check Ordering:
- Once logged in, look for a section related to your checking account.
- Common pathways include:
- "Account Services" or "Customer Service"
- "Order Checks & Deposit Tickets"
- Within your specific checking account details, look for an option like "Order Checks" or "Reorder Checks."
- Select Your Check Style and Quantity:
- You'll be presented with various check designs and quantities. Choose the one that best suits your needs.
- Be aware of pricing: Check costs can vary depending on the style and quantity you select. Preferred Rewards clients and certain account types may qualify for free standard checks or discounts.
- Confirm Shipping Information:
- Double-check that your mailing address is correct.
- Note the estimated delivery time. Standard check orders are typically mailed and can take several business days to arrive.
- Review and Place Your Order:
- Carefully review all the details of your order, including the total cost.
- Confirm your order. You'll usually receive an email confirmation.
Sub-heading: Method C: Calling Bank of America Customer Service
While less common for obtaining immediate temporary checks, you can certainly order a full box of checks over the phone.
- Find the Right Phone Number:
- The general customer service number for Bank of America is 1-800-432-1000.
- For online banking support, it's also 1-800-432-1000.
- Check the back of your debit card or a recent statement for specific customer service numbers that might be more direct.
- Be Prepared for Verification:
- The representative will ask you security questions to verify your identity. Have your account number and personal information ready.
- Request to Order Checks:
- Clearly state that you wish to order checks for your checking account.
- They will guide you through the available options, styles, and pricing.
- Confirm Shipping Details:
- Ensure they have the correct mailing address for your checks.
- Inquire about the estimated delivery time.
Step 4: Understanding Fees and Delivery Times
Knowing what to expect regarding costs and how long it will take is essential for proper planning.
Sub-heading: Fees for Temporary Checks
- In-Branch Temporary Checks: Often free for a small quantity (e.g., 3-5 checks) given for immediate needs. However, policies can vary, so always confirm with the teller or banker.
- Ordered Checks (Online or Phone): The cost for a full box of checks varies significantly based on the style, security features, and quantity. Standard checks are generally less expensive than designer or custom checks. As mentioned, Preferred Rewards clients may receive discounts or free standard checks. Refer to Bank of America's Personal Schedule of Fees for detailed pricing related to your specific account type.
Sub-heading: Delivery Times
- In-Branch Temporary Checks: Immediate! You walk out of the financial center with them.
- Ordered Checks (Online or Phone): Standard delivery for a full box of checks typically takes 7-10 business days via mail. Expedited shipping might be available for an additional fee, but it's not always guaranteed to be significantly faster.
Step 5: Alternative Payment Methods While You Wait (or if You Can't Get Temporary Checks)
Sometimes, getting temporary checks quickly isn't feasible, or you might need to make a payment before your checks arrive. Bank of America offers several convenient alternatives:
- Online Bill Pay: If you need to pay a bill, Bank of America's online bill pay service is excellent. You can schedule payments to companies or individuals, and the bank handles sending the payment electronically or via check.
- Zelle®: For sending money quickly to friends, family, or even some small businesses, Zelle® is a fast and convenient option directly through your Bank of America mobile app or online banking. Funds are typically available within minutes.
- Debit Card: For most purchases, your debit card is the most straightforward way to access funds from your checking account.
- Wire Transfers: For larger, time-sensitive transfers, especially to other financial institutions, wire transfers are an option, though they usually come with fees.
- Cashier's Check or Money Order: If you need a guaranteed form of payment, you can purchase a cashier's check or money order at a Bank of America financial center. These usually have a small fee.
Frequently Asked Questions (FAQs) about Bank of America Temporary Checks
Here are 10 common questions related to getting temporary checks from Bank of America, along with quick answers.
How to get temporary checks if I'm not near a Bank of America branch?
You can order a full box of checks online through your Bank of America Online Banking account, which will be mailed to you. For immediate needs, consider using alternative payment methods like online bill pay or Zelle®.
How to know if I'll be charged for temporary checks?
For a small quantity of temporary checks issued directly at a financial center, they are often provided for free. For full check orders placed online or by phone, fees typically apply, varying by check style and quantity. Preferred Rewards clients may get free standard checks. Always confirm fees at the time of ordering.
How to track the status of my check order from Bank of America?
You can usually track the status of your check order by logging into your Bank of America Online Banking account or through the mobile app, navigating to the "Order Checks & Deposit Tickets" section.
How to get checks if I just opened my Bank of America account?
If you've just opened your account, you can typically get a few temporary checks immediately by visiting a Bank of America financial center. You can then order your first full box of personalized checks online or in-branch.
How to get a cashier's check instead of temporary paper checks?
You can obtain a cashier's check by visiting any Bank of America financial center. There is usually a fee for cashier's checks.
How to order checks over the phone from Bank of America?
You can call Bank of America customer service at 1-800-432-1000 to order checks over the phone. Be prepared to verify your identity and account details.
How to get checks delivered faster from Bank of America?
When ordering a full box of checks online or by phone, you may have the option for expedited shipping for an additional fee. This can reduce the delivery time compared to standard mail.
How to use online bill pay as an alternative to temporary checks?
Log in to your Bank of America Online Banking account, find the "Bill Pay" section, and you can add payees and schedule payments directly from your checking account without needing to write a physical check.
How to find my Bank of America account number for ordering checks?
Your account number can be found on your existing Bank of America checks, your monthly bank statements, or by logging into your Bank of America Online Banking account and viewing your account details.
How to reorder checks from Bank of America if I'm out of temporary ones?
The easiest way to reorder checks is by logging into your Bank of America Online Banking account or using the mobile app and navigating to the "Order Checks & Deposit Tickets" section associated with your checking account. You can also reorder by visiting a financial center or calling customer service.