Bank of America's check fees depend on your account type and how you order

Bank of America charges for checks, but the amount varies. If you order checks through Bank of America directly, you'll pay between roughly $15 and $30 per box of 50 checks, depending on your account type and the check style you choose. Customers with premium accounts like Preferred Rewards or certain wealth management tiers may pay less or nothing at all. The exact price appears when you order through your online banking portal or by calling.

The fee structure is straightforward: standard checks cost less than designer or specialty checks. A basic box of 50 standard checks for a checking account typically runs $15 to $20. If you want checks with your photo, a custom design, or other features, the price climbs. Bank of America also charges a small fee if you reorder checks through their system — usually $1 to $3 per reorder, though this varies by account.

You are not required to order checks from Bank of America. Third-party check printers like Costco, Walmart, Deluxe, and Carousel often charge less — sometimes $5 to $10 per box — and will print checks that work with your Bank of America account as long as they include your routing number and account number. Many people use this route to save money.

Key Takeaways

  • Bank of America charges $15 to $30 per box of 50 checks ordered directly through the bank, with premium account holders paying less or nothing.
  • Specialty or designer checks cost more than standard checks, and reordering through the bank adds a small fee.
  • Third-party check printers like Costco and Deluxe often charge $5 to $10 per box and produce checks that work with your Bank of America account.
  • Your account type determines your check cost — Preferred Rewards and wealth management customers typically pay lower rates.

How to order checks and what the costs actually are

To order checks through Bank of America, log into your online banking account, go to the Checks section, and select your check style. The system shows you the price before you confirm the order. You can also call 1-800-432-1000 to order by phone. Delivery typically takes 7 to 10 business days for standard orders, though expedited shipping is available for an additional fee.

The pricing tiers work like this: standard checks with your name and address printed are the cheapest option. Checks with your photo, a custom background, or a special design cost more — sometimes double the standard price. A box of 50 standard checks might be $15, while the same box with a photo could be $25 or $30. Bank of America's website shows the exact price for each style before you buy.

If you reorder the same checks you ordered before, Bank of America charges a reorder fee on top of the check cost. This fee is usually $1 to $3 per box, though it can vary. Some account holders report that reorders are free, so the fee may depend on your specific account tier or promotion status.

Why third-party printers cost less

Third-party check printers have lower overhead than banks and pass that savings to you. Costco, Walmart, Deluxe, and Carousel all print checks that work with Bank of America accounts. You provide your routing number (which is 026009593 for Bank of America) and your account number, and they print the checks. The total cost is often $5 to $10 per box of 50, sometimes less if there is a promotion running.

The checks are identical to what Bank of America would print — they clear the same way, they work at the same teller windows, and merchants accept them the same way. The only difference is the printer and the price. Some people order from third-party printers and never order from the bank again.

One thing to watch: make sure the printer you choose can access your routing number and account number correctly. If you provide the wrong account number, the checks will not work. Double-check before you submit the order.

When you might not need to order checks at all

Many people use checks less often than they used to. If you only write a few checks per year, you might not need to order a full box of 50. Some banks offer a small number of free checks per year to account holders, though Bank of America does not typically include this benefit. You can ask your branch if any current promotions waive check fees.

If you need just a few checks right now, you can ask your Bank of America branch to print temporary checks for you. These are usually free or cost a small fee, and they work like regular checks. This is a good option if you are waiting for a full order to arrive or if you only need one or two checks.

Digital payment methods like Zelle, ACH transfers, and bill pay through your bank account have replaced checks for most transactions. If you are paying bills, sending money to family, or paying a vendor, you may not need a physical check at all. Bank of America's bill pay service is free to account holders and works for most regular payments.

How check costs compare across account types

Bank of America's Preferred Rewards program offers discounts on check orders. Customers in the Gold tier and above may pay less for checks or receive a certain number free per year. The exact benefit changes, so log into your account or call the bank to see what your tier includes. Wealth management customers and those with premium accounts often have better check pricing or no charge at all.

If you do not have a premium account, you pay the standard rate. A basic checking account holder pays the full $15 to $30 per box. If you are considering switching accounts or upgrading to Preferred Rewards, the check discount is one small benefit among others — it is not usually the main reason to upgrade, but it can add up if you order checks frequently.

What happens if you use checks from another bank

You can use checks from any bank with your Bank of America account, as long as they have your correct routing number and account number printed on them. If you have old checks from a different bank, you can use those too — the routing number and account number are what matter, not the bank name on the check. The check will still clear through Bank of America.

This is useful if you move to a different bank or if you have leftover checks from a previous account. As long as the account is still open and active, the checks work. Once you close an account, checks from that account will be rejected, so do not use old checks after you have closed the account they were tied to.

Frequently Asked Questions

Can I get free checks from Bank of America?

Bank of America does not include free checks with standard checking accounts. However, Preferred Rewards members in the Gold tier and above may receive discounts or a limited number of free checks per year. Wealth management customers sometimes have check orders covered. Contact your branch or log into your account to see if your account type includes any check benefits.

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

Standard delivery takes 7 to 10 business days. Bank of America offers expedited shipping for an additional fee if you need checks faster. You can also ask your local branch to print temporary checks for you, which are usually ready the same day or within one business day.

What if I order checks and then close my account?

Checks are tied to the account number printed on them. If you close the account before the checks arrive, they will not work. If the checks arrive after you close the account, they will be rejected when you try to use them. Contact Bank of America before closing an account if you have a pending check order.

Do checks from Costco or Walmart work with Bank of America?

Yes, as long as they print your Bank of America routing number (026009593) and your account number correctly. The checks clear the same way and work everywhere. Verify your account number before you submit the order to make sure the checks are printed correctly.

Is there a fee to reorder the same checks?

Bank of America typically charges $1 to $3 per box to reorder checks, though some account holders report reorders are free. The fee varies by account type and current promotions. Check the price when you reorder through your online banking portal to see what you will be charged.