Printing checks for your Bank of America account can seem a bit confusing, especially with all the digital payment options available today. However, there are still many situations where a physical check is necessary. Whether you're paying rent, sending money to a relative, or making a donation, knowing how to get your hands on Bank of America checks is a valuable skill.
Ready to take control of your check-writing needs? Let's dive in!
Understanding Your Options for Bank of America Checks
Before we get into the "how-to," it's important to understand that "printing" Bank of America checks usually refers to ordering them. Bank of America, like most traditional banks, doesn't typically allow customers to print blank checks directly from their home printer for security reasons. The checks need to be pre-printed with specific security features, routing numbers, and account numbers.
However, there are third-party services that allow you to print checks on demand using blank check stock. We'll cover both traditional ordering and these alternative methods.
Step 1: Determine Your Check Needs – Are You Reordering or Ordering for the First Time?
The first crucial step is to figure out what kind of check printing you need. Are you simply replenishing your supply, or is this your very first time ordering checks for a new Bank of America account?
- Reordering Checks: If you've ordered checks from Bank of America before, the process is generally quicker and simpler. You'll likely have a reorder form or access to your previous order details.
- First-Time Order: If this is your first time, you'll need to provide more information and potentially choose a design.
Step 2: Choosing Your Method for Obtaining Bank of America Checks
You have a few primary avenues for getting Bank of America checks. Each has its own advantages and disadvantages.
Sub-heading: Option A: Ordering Directly Through Bank of America (Recommended for Most Users)
This is the most secure and straightforward method, ensuring your checks meet all Bank of America's security standards.
Step 2.1: Online Banking – The Easiest Way to Reorder
Bank of America's online banking platform is the most convenient way for most customers to reorder checks.
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Log In to Your Online Banking Account:
- Go to the official Bank of America website (bankofamerica.com).
- Enter your User ID and Passcode to log in securely.
- Tip: If you haven't set up online banking yet, you'll need to enroll first.
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Navigate to the Check Ordering Section:
- Once logged in, look for a section related to "Account Services," "Order Checks & Deposit Tickets," or similar. The exact wording might vary slightly.
- You might find this under a "Help & Support" menu or by selecting your specific checking account.
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Select Your Account and Check Style:
- Choose the checking account for which you want to order checks.
- You'll typically be presented with options to select your check design, quantity, and any personalized features (like adding your phone number or a logo, though design options for personal checks are usually more limited).
- Note: Bank of America often partners with a third-party check printer like Harland Clarke. You'll likely be redirected to their secure portal to complete the order.
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Review and Confirm Your Order:
- Carefully review all the details: your name and address, routing number, account number, check design, and quantity.
- Check the total cost and estimated delivery date.
- Proceed to payment. The cost of checks varies based on style and quantity. Some premium accounts or long-term customers might receive discounts or free checks.
Step 2.2: Mobile Banking App – Order on the Go
Bank of America's mobile banking app offers a similar, streamlined process for ordering checks.
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Open the Bank of America Mobile App:
- Log in to your app using your User ID and Passcode, or biometric login (fingerprint/Face ID).
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Find the "Order Checks" Option:
- Navigate to your checking account details.
- Look for an option like "Order Checks & Deposit Tickets" within the account menu.
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Follow On-Screen Prompts:
- The app will guide you through selecting your check style, quantity, and confirming your details, similar to the online banking process.
Step 2.3: By Phone – For Personalized Assistance
If you prefer speaking with a representative or have specific questions, you can order checks by phone.
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Gather Your Account Information:
- Have your Bank of America checking account number and routing number readily available.
- Know the last check number you used (if reordering).
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Call Bank of America Customer Service:
- Dial the customer service number typically found on the back of your debit card or on the Bank of America website.
- Be prepared for security verification questions.
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Place Your Order:
- A representative will guide you through the available check options and help you place your order. They can also provide details on pricing and delivery.
Step 2.4: In Person at a Financial Center – For Direct Support
While less common for simple reorders, visiting a Bank of America financial center can be helpful for first-time orders or if you have complex needs.
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Locate a Nearby Financial Center:
- Use the Bank of America website or app to find the closest branch.
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Bring Necessary Identification:
- Bring a valid government-issued ID (driver's license, passport, etc.) and your debit card.
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Speak with a Personal Banker:
- A banker can assist you with selecting check styles, verifying your information, and placing the order. They can also explain various account features related to checks.
Sub-heading: Option B: Using a Third-Party Check Printing Service (Use with Caution)
Some online services, like OnlineCheckWriter.com or Zil Money, allow you to design and print checks on demand using blank check stock and your regular printer. While they advertise convenience and cost savings, it's crucial to understand the implications and security considerations.
Step 2.B.1: Research Reputable Services:
- Do your homework! Look for services with strong reviews and a proven track record.
- Understand that these services are financial technology companies, not banks. They facilitate check creation but are not directly insured by the FDIC (though they may partner with FDIC-insured banks for underlying services).
Step 2.B.2: Gather Your Bank Information:
- You'll need your Bank of America account number and the routing number for your specific account. These are essential for creating valid checks. You can find these on your online banking portal or a previous check.
Step 2.B.3: Purchase Blank Check Stock:
- These services require special blank check stock paper that includes security features like microprinting, watermarks, and often a void pantograph. You can purchase this from office supply stores or online retailers. Do NOT use plain paper.
Step 2.B.4: Design Your Checks Using Their Software:
- The service will provide a platform to design your checks. You'll input your bank details, payee information (if printing individual checks), and any desired customization like logos.
Step 2.B.5: Print Your Checks:
- Load the blank check stock into your printer according to the service's instructions.
- Print the checks. Ensure your printer is properly calibrated to avoid misalignment.
Important Considerations for Third-Party Services:
- Security: While these services claim to offer enhanced security, remember that you are responsible for the physical security of your blank check stock and the accuracy of the printed information. Fraudsters could potentially use blank stock if it falls into the wrong hands.
- MICR Ink: For checks to be processed correctly by banks, they should ideally be printed with Magnetic Ink Character Recognition (MICR) ink, especially for the routing and account numbers at the bottom. Most home printers don't use MICR ink, which could lead to processing delays or issues, although many banks can still process checks printed with standard ink.
- Legality: Printing your own checks is generally legal, but they must meet specific industry standards (like ANSI X9 standards) to be processed efficiently.
- Cost Savings vs. Convenience: While potentially cheaper per check, consider the time, effort, and initial investment in blank stock and learning the software.
Step 3: What to Expect After Ordering Checks
Once you've placed your order, here's what typically happens:
Sub-heading: Confirmation and Tracking
- You'll usually receive an order confirmation via email.
- If you ordered through Bank of America's online portal, you might be able to track your order status through the Harland Clarke website or directly within your Bank of America account.
- Delivery times can vary, but generally range from 5-10 business days for standard shipping. Expedited shipping options are often available for an additional fee.
Sub-heading: Receiving Your Checks
- Your checks will be delivered to the address you specified during the order process. For security, they often come in discreet, unmarked packaging.
- Inspect the checks upon arrival to ensure all information (name, address, account number, routing number) is correct and legible. Report any errors immediately to Bank of America or the check printing service.
Sub-heading: Activating/Using Your New Checks
- In most cases, newly ordered checks do not require activation. You can start using them as soon as you receive them.
- Important: Keep your checks in a secure location to prevent theft or unauthorized use.
Step 4: Maintaining Your Check Supply and Security
- Keep Track of Your Check Numbers: Always record the check number and details of each check you write in your check register or banking app. This helps with reconciliation and detecting fraud.
- Never Pre-Sign Blank Checks: This is a major security risk.
- Shred Old Checks: When you close an account or discard old checks, shred them to protect your personal and financial information. Don't just throw them in the trash.
- Monitor Your Account: Regularly review your Bank of America statements and online transactions to spot any unauthorized activity or discrepancies. Set up alerts for large transactions or low balances.
10 Related FAQ Questions
How to reorder Bank of America checks online?
You can easily reorder Bank of America checks by logging into your Bank of America online banking account, navigating to "Account Services" or "Order Checks & Deposit Tickets," and following the prompts.
How to find my Bank of America routing and account numbers for printing checks?
Your Bank of America routing and account numbers can be found on your online banking dashboard, at the bottom of a previously issued check (the routing number is usually the first set of nine digits, and your account number follows), or on your monthly bank statement.
How to choose a design for Bank of America personalized checks?
When ordering checks through Bank of America's online portal or in person, you will be presented with a catalog of available designs, from standard options to more personalized themes and images.
How to track my Bank of America check order?
If you ordered through Bank of America's official channels (which often use Harland Clarke), you can typically track your order status on the check printer's website using the order confirmation details provided.
How to get blank check stock paper for printing Bank of America checks at home?
Blank check stock paper, which contains specific security features, can be purchased from major office supply stores (like Staples, Office Depot) or online retailers (like Amazon). Ensure it's designed for check printing.
How to ensure security when printing Bank of America checks from a third-party service?
To ensure security, use a reputable third-party service, use blank check stock with security features, use a secure printer, and handle the printed checks with care, keeping them in a safe place. Always monitor your bank account for any unusual activity.
How to cancel a Bank of America check order?
To cancel a Bank of America check order, you should contact Bank of America customer service or the check printing vendor (if known) as soon as possible after placing the order. There might be a limited window for cancellation.
How to get free Bank of America checks?
Some Bank of America checking accounts, particularly premium or relationship accounts, may offer free standard checks as a perk. Check your account's specific features or speak with a Bank of America representative to see if you qualify.
How to order deposit slips for my Bank of America account?
Deposit slips can typically be ordered at the same time as your checks through your Bank of America online banking, mobile app, by phone, or in person at a financial center.
How to stop payment on a Bank of America check?
To stop payment on a Bank of America check, you can usually do so through your online banking account, the mobile app, or by calling customer service. You'll need the check number and the exact amount of the check. Fees may apply for stop payment requests.
