Bank of America offers free checks to most account holders, but the process and what's included depends on your account type

Bank of America does not charge for checks on most checking accounts. When you open an account or need to reorder, you can request checks at no cost through your online banking portal, by calling customer service, or by visiting a branch. The bank covers the cost as part of standard account maintenance.

The catch is that "free" means standard checks only—plain white checks with your name and account number printed on them. Specialty checks (oversized, duplicate, or designer formats) cost extra. Also, if you close your account and later reopen it, you may need to order new checks rather than use old ones.

How long it takes to receive checks varies. Standard delivery through the mail takes 7 to 10 business days. Expedited options exist but cost money. Some branches can print temporary checks on the spot if you need them urgently.

Key Takeaways

  • Standard checks are free on Bank of America checking accounts and are included as part of your account service.
  • You can order free checks online through your account, by phone at 1-800-432-1000, or in person at any branch.
  • Specialty checks with custom designs, colors, or formats carry a separate charge and are not included in the free offering.
  • Standard delivery takes 7 to 10 business days; if you need checks sooner, temporary checks printed at a branch are faster but may have limits on where you can use them.

Ordering checks online through your Bank of America account

Log into your Bank of America online banking portal or mobile app. Navigate to the account you want checks for, then look for a "Manage Checks" or "Order Checks" option—this is usually under account services or settings. Select the account, confirm your address, and choose standard checks. The system will show you a preview of how your checks will look.

Review the order summary to make sure the account number and routing number are correct. Submit the order. You should receive a confirmation email with an order number. Standard checks arrive in 7 to 10 business days to the address on file for your account.

If you do not see an order checks option in your online portal, your account type may not support online ordering. Call customer service or visit a branch instead.

Ordering checks by phone or at a branch

Call Bank of America customer service at 1-800-432-1000. Have your account number ready. Tell the representative you want to order free checks. They will confirm your mailing address and the account the checks are for, then process the order over the phone. You will receive a confirmation number.

Alternatively, walk into any Bank of America branch with your ID and account information. Ask to order checks. A teller can start the order when ready. If you need checks urgently, ask whether the branch can print temporary checks on the spot—many branches offer this service at no charge, though temporary checks may not work everywhere (some merchants and online bill-pay systems do not accept them).

What happens if you need checks faster than 7 to 10 days

If standard delivery is too slow, ask about expedited shipping when you place your order. Expedited options typically cost $10 to $20 and deliver in 3 to 5 business days. This is a paid service, not free.

The faster option is temporary checks. Many Bank of America branches can print a small pad of temporary checks on the spot at no cost. These are plain, numbered checks that work for most purposes—paying bills, depositing into another account, or paying individuals. However, some merchants, landlords, and online systems will not accept them. Before relying on temporary checks, confirm that the person or organization you are paying will take them.

If neither option works, you can also use other payment methods while you wait: bill pay through your online banking, wire transfers, or debit card payments.

Understanding what "free checks" includes and excludes

Free checks on a Bank of America checking account means one thing: standard personal checks printed with your name, address, and account information on plain white stock. The bank covers this cost.

Anything beyond that costs money. Designer checks with images, oversized checks, duplicate checks (a second copy of each check in the pad), checks with a different color or finish, or checks with special security features all carry separate charges. These options are available when you order, but you have to select and pay for them separately.

Also note: if your account is closed and you later open a new account, your old checks are no longer valid. You will need to order new checks for the new account. Using checks from a closed account can result in the check being rejected or returned.

Account types that include free checks

Most Bank of America checking accounts include free checks. This covers the standard checking account, the interest checking account, and the premium checking account. Student checking accounts also include free checks.

Savings accounts do not come with checks—savings accounts are not designed for frequent transactions. Money Market accounts may or may not include check-writing privileges; if yours does, free checks are included. If you are unsure whether your account type includes checks, log into your account or call 1-800-432-1000 to confirm.

Business accounts have their own check ordering process and pricing. If you have a business account, contact your business banking representative or call the business banking line for details.

What to do if your checks do not arrive or arrive damaged

If your checks do not arrive within the expected timeframe, log into your account and check the order status. You can also call 1-800-432-1000 and provide your order number. The representative can tell you where the checks are in the printing and shipping process.

If checks arrive damaged, misprinted, or with the wrong account number, contact customer service when ready. Bank of America will reprint and resend them at no charge. Do not use checks with errors—they will be rejected if you try to use them.

Keep your order confirmation number until the checks arrive. If there is a dispute about whether you ordered them or when they should have arrived, this number is your proof.

Frequently Asked Questions

Do I have to pay for checks if I have a Bank of America checking account?

No. Standard checks are free on most Bank of America checking accounts. You only pay if you choose specialty options like designer checks, duplicate copies, or expedited shipping. If you are unsure whether your account type includes free checks, call 1-800-432-1000 to confirm.

Can I order checks without going online or calling?

Yes. Visit any Bank of America branch in person with your ID. A teller can start a check order for you when ready. If you need checks urgently, ask whether they can print temporary checks on the spot—many branches offer this at no cost.

What if I use checks from a closed account?

Checks from a closed account will be rejected. The bank will not honor them, and the recipient may charge you a fee for the returned check. If you closed an account and need checks for a new one, order new checks for the new account.

How long does it take to get checks if I order them online?

Standard delivery takes 7 to 10 business days. Expedited shipping is available for an extra fee and typically delivers in 3 to 5 business days. If you need checks when ready, ask your branch about temporary checks, which can be printed on the spot.

Can I order checks for someone else's account?

No. You must be the account holder or have authorized access to the account. If you have power of attorney or are an authorized signer, you may be able to order checks, but you will need to verify this with the bank directly.