How to Send a Check with Bank of America
Learn how to easily send physical checks using Bank of America with Check Supply. Get premium mail options including Certified Mail, Priority Mail, and Express Mail that Bank of America doesn't offer.
Bank of America
Trusted financial institution
Bank of America is supported by Check Supply, enabling you to send secure, convenient check mailing services with premium options like Certified Mail, Priority Mail, and Express Mail that Bank of America doesn't offer.
For more information, visit the Bank of America website.
Bank of America Bill Pay vs Check Supply
See how Check Supply compares to Bank of America's traditional bill pay system. Unlike Bank of America, Check Supply offers premium mail options including Certified Mail, Priority Mail, and Express Mail delivery.
Bank of America Bill Pay allows customers to make one-time or recurring payments to businesses or individuals directly from their Bank of America checking accounts. The service supports electronic payments when the biller accepts them, with same-day or next-business-day processing for eligible payments. For recipients who cannot accept electronic payments, Bank of America mails a paper check on the customer's behalf. Electronic payments are typically debited on the scheduled payment date, while paper checks are debited when the recipient deposits the check. Bank of America provides features like eBills, payment reminders, and the ability to view payment history online. The service is available through Bank of America Online Banking and the Bank of America Mobile app, with no monthly service fees for most accounts.
Compared with Bank of America's built-in bill pay, Check Supply offers superior speed, visibility, and control for mailed checks. We process payments in one business day with same-day print-and-mail capability when queued by 3 PM ET (including Saturdays), provide granular status tracking (queued → printed → mailed), and clearly confirm when the check is deposited. Funds remain in your Bank of America account until the recipient deposits the check—we do not place pre-debit holds. The experience is a modern, simple flow similar to Cash App or Venmo for sending checks, and you can connect multiple bank accounts and choose which one to pay from. USPS transit times are not guaranteed by either service.
## Shipping Options Limitations
**Important:** This bank does not offer premium shipping options for check delivery through their bill pay system:
- **Certified Mail**: Not available
- **Priority Mail**: Not available
- **Express Mail**: Not available
For these premium delivery options, consider using Check Supply instead, which provides:
- Certified Mail for secure, trackable delivery
- Priority Mail for faster 1-3 business day delivery
- Express Mail for urgent same-day or next-day delivery
Traditional bank bill pay typically only offers standard first-class mail delivery, which can take 5-7 business days and lacks the security and speed of premium options.
| Feature | Bank of America Bill Pay | Check Supply |
|---|---|---|
| Physical checks | Yes — mails a check if the biller cannot accept electronic payments | Yes — we print & mail on your behalf |
| Average processing time | Electronic: same-day or next business day; Mailed check: schedule ≥5-7 business days | 1 business day; same-day print & mail if queued by 3 PM ET (Sat included) |
| When funds are withdrawn | Electronic: on the scheduled date; Check: when recipient deposits the check | Only when recipient deposits the check; no pre-debit holds |
| User experience | Traditional bill-pay interface inside Bank of America Online/Mobile Banking | Modern, simple flow (Cash App/Venmo-like) for sending checks |
| Account flexibility | Use accounts at Bank of America only | Connect multiple banks; choose which account to pay from |
| Delivery time (mail transit) | Typically 5–7 business days for mailed checks (not guaranteed) | Typically 1–5 business days (USPS not guaranteed) |
| Tracking | Basic scheduled/sent status; limited visibility for mailed checks | Granular: queued → printed → mailed + deposit confirmation |
| Certified Mail | Not available | ✓ Available Signature required, tracking number available |
| Priority Mail | Not available | ✓ Available 1-3 days, tracking number available |
| Express Mail | Not available | ✓ Available 1-2 day delivery, tracking number available |
Note: Values verified against Bank of America's official bill pay documentation. USPS delivery not guaranteed.
Save money and time with Check Supply's superior features and pricing compared to Bank of America's bill pay system. Get premium mail options that Bank of America doesn't offer.
💡 Why Choose Check Supply?
Premium mail options (Certified, Priority, Express) not available through Bank of America, faster delivery, and a seamless mobile experience designed specifically for check mailing.
Step 1: Download Check Supply from the App Store
Download the Check Supply app from the Apple App Store.
Step 2: Enter the Payment Amount
Open the app and navigate to the Pay tab. Type in the amount you want to send and tap Mail My Check.
Step 3: Add Recipient's Details
Input the name and address of the person you wish to send the check to. You can also import this information from your iPhone's contact list for added convenience.
Step 4: Connect Your Bank of America Account
Connect your Bank of America account securely using Plaid. Your financial information is encrypted and stored only with Plaid; Check Supply never accesses or stores your sensitive data.
Step 5: Optional Memo or Note
Add a memo or note to be printed on the bottom left corner of the check. This step is optional. When you're ready, tap Pay.
Step 6: Review and Confirm
You'll see a confirmation page to review all the details. Confirm and pay for the service. If completed before 3 PM EST on a business day, your check will be printed and mailed the same day.
Step 7: Track Your Check
Under the Payments tab, you can track your checks. Most are delivered within 1-5 USPS business days, including Saturdays.
Conclusion
Sending a physical check with Bank of America has never been easier. With Check Supply, you get access to premium mail options like Certified Mail, Priority Mail, and Express Mail that Bank of America doesn't offer. Handle everything from your iPhone—quickly, securely, and without any hassle. Download the app today and simplify your payments with superior mail delivery options.
Bank of America
Trusted financial institution supported by Check Supply
Frequently Asked Questions
How does Bank of America deliver bill payments?
Bank of America sends payments electronically when possible, with same-day or next-business-day processing. For recipients who cannot accept electronic payments, Bank of America mails a paper check on your behalf.
When does Bank of America debit my account for Bill Pay?
For electronic payments, funds are withdrawn on the scheduled payment date. For paper checks, funds are withdrawn when the recipient deposits the check.
How does Check Supply reduce uncertainty compared with Bank of America bill pay?
Check Supply provides step-by-step tracking (queued → printed → mailed) and confirms when the check is deposited, eliminating guesswork about mail timing and delivery status.
Does Check Supply hold my money before delivery?
No. With Check Supply, funds stay in your account until your recipient deposits the check. We do not place pre-debit holds.
What if my payee cannot accept electronic payments?
Check Supply specializes in mailed checks with same-day processing if queued by 3 PM ET (Saturdays included) and provides granular status updates through deposit confirmation.
How fast will my payment arrive?
Bank of America electronic payments can be same-day or next business day. Bank of America-mailed checks typically require 5-7 business days. Check Supply processes in 1 business day with same-day print-and-mail cutoff at 3 PM ET; USPS transit times are not guaranteed.
Do I need to keep using Bank of America's bill pay if I use Check Supply?
No. You can use Check Supply independently to generate and mail checks from your Bank of America account while still seeing deposit confirmation.
Are there fees for Bank of America Bill Pay?
Bank of America Bill Pay is typically free for most checking accounts. Check Supply charges a transparent per-check fee for printing and mailing, with tracking included.
Routing Numbers
Send checks securely with Bank of America through the Check Supply mobile app