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How to Get Checks

Understanding Bank of America Checks

Bank of America provides various types of checks which can be used for different financial needs, including personal transactions, business payments, and other obligations. With a comprehensive online and physical banking structure, obtaining checks from Bank of America is a convenient process. We'll guide you through the steps to obtaining these checks and provide useful insights to simplify your banking experience.

Types of Checks Offered

Bank of America offers several types of checks, each serving a unique purpose. Before you order, it's important to understand which type you need:

  1. Personal Checks: Used primarily for personal transactions. These checks can be customized with different designs and features.
  2. Certified Checks: These are personal checks verified by the bank to ensure the funds are available. Often used for large transactions like buying a car.
  3. Cashier’s Checks: These checks are written by the bank on its own funds rather than yours. Widely accepted and often required for transactions like purchasing a home.
  4. Business Checks: Tailored for business accounts, offering space for company information and possibly additional bookkeeping features.
  5. Money Orders: While not exactly a "check," these can be purchased in smaller amounts and are prepaid, much like cashier’s checks.

Steps to Obtain Checks from Bank of America

Order Personal or Business Checks Online

  1. Log in to Your Online Banking:

    • Visit the Bank of America website and log in to your online account.
    • Navigate to the “Accounts” tab.

  2. Select the Account:

    • Click on the account for which you wish to order checks.

  3. Request Checks:

    • Find and select the option to “Order Checks & Deposit Tickets.”

  4. Customize Your Checks:

    • Choose your preferred design and quantity.
    • Review options for personalization, such as including your address and select design elements.

  5. Verify Details:

    • Double-check the accuracy of the order, especially the account and routing numbers.

  6. Place Order:

    • Complete the order process and confirm your order. The cost may vary based on the design and quantity.

In-Person Orders

For those who prefer a face-to-face interaction:

  1. Visit a Branch:

    • Locate your nearest Bank of America branch.

  2. Speak with a Relationship Banker:

    • Explain your needs; they will guide you through ordering the right type of checks.

  3. Provide Identification:

    • You may need to provide a form of identification along with your account details.

  4. Finalize the Order:

    • Review and confirm the details of your order.

Phone Orders

If online and in-person orders aren’t convenient, you can order by phone:

  1. Contact Customer Service:

    • Dial Bank of America’s customer service at 1-800-432-1000.

  2. Authenticate Your Identity:

    • Be prepared to verify your identity by answering security questions.

  3. Order Details:

    • Provide necessary account information and check specifications.

Costs and Wait Times

  • Prices for Checks:

    • The cost of checks can vary based on factors such as design choices and quantity. Typically, basic checks are less expensive, while personalized designs may incur additional fees.

  • Wait Times:

    • Check delivery generally takes 7–10 business days. Expedited shipping is available for an additional fee.

Managing Checks Effectively

Maintaining and using checks requires careful oversight. Here are steps to manage them efficiently:

  • Keep Track of Checkbook Registrations:

    • Always immediately record the use of checks to keep track of your balance.

  • Secure Your Checkbooks:

    • Store checks in a secure location to prevent unauthorized use.

  • Understand Your Checks’ Information:

    • Familiarize yourself with the MICR line numbers: routing, account, and check numbers.

Alternatives and Digital Solutions

With the rise of electronic banking, consider these alternatives to traditional checks:

  • Zelle:

    • Integrated within Bank of America’s mobile app, Zelle allows for quick money transfers between bank accounts.

  • Online Bill Pay:

    • Use Bank of America’s online bill pay service to manage regular payments and minimize dependence on checks.

  • Mobile Check Deposits:

    • Deposit checks using your smartphone without needing physical bank visits.

FAQ Section

1. How long will it take to receive my ordered checks?
Delivery usually takes 7–10 business days. Expedited options are available for a fee.

2. Can I cancel an order after it's been placed?
Cancellation policies depend on how quickly the checks are being processed. Contact customer service promptly if you need to modify or cancel an order.

3. What should I do if my checks are lost or stolen?
Immediately contact Bank of America’s support line to report lost or stolen checks. They will guide you through stop-payment procedures and account protections.

4. Are there fees for ordering checks from Bank of America?
Yes, fees depend on the check type and quantity. Check fees are usually billed directly to your account.

Further Assistance and Resources

For more detailed info and advice, consider reaching out to Bank of America’s customer service or visiting their help page for FAQs and additional details.

Explore other relevant topics on our website like digital banking tools and the benefits of using Zelle to enhance your financial management.

By understanding the process and following the steps outlined, you’ll be able to manage your Bank of America checks effectively and meet your banking needs with ease.