Sending a Check File to Bank of America for Printing [X12 820]

I would like to ask some questions (below) to anyone on R12 who sends an electronic payment file to Bank of America (BofA) for paper check printing [not for electronic payment/deposit into the supplier's bank account].  We are considering having the bank print our U.S. paper checks (with remittance advice), because the Payables user function will be moved offshore.

I believe this type of check printing file falls under the ANSI EDI transaction X12 820, which BofA can receive.  But we do not utilize EDI.

First question:  Is anyone generating an X12 820 file from Oracle Payments and sending to BofA via FTP without using an EDI gateway, EDI translator, or VAN service?