How to Get a Cashier's Check at Bank of America

Bank of America offers cashier's checks in person at any branch, by mail, or through their mobile app

A cashier's check is a check drawn on the bank's own account rather than yours, which makes it as good as cash to the person receiving it. Bank of America issues them the same day you request one at a branch, or within one to two business days if you order by mail or through the app. You'll need the exact amount, the payee's name spelled correctly, and your account to have enough funds to cover the check plus any fee.

The fee for a cashier's check at Bank of America varies by account type. Some account holders pay nothing; others pay $10 to $15 per check. Call your local branch or log into your account online to see what your fee is before you go in.

Key Takeaways

• Bank of America issues cashier's checks same-day at branches, or within one to two business days by mail or mobile app.
• You need the payee's full name spelled correctly, the exact dollar amount, and sufficient funds in your account plus the fee amount.
• Fees range from $0 to $15 depending on your account type; check your account details or call your branch to confirm your fee before ordering.
• A cashier's check cannot be stopped or reversed once issued, so verify all details before you request it.

Getting a cashier's check in person at a Bank of America branch

Walk into any Bank of America branch with your ID and debit card or account number. Tell the teller you need a cashier's check. Have ready the payee's name (spelled exactly as it should appear), the amount, and any account number or reference information the payee gave you.

The teller will print the check, confirm the details with you, and deduct the amount plus the fee from your account on the spot. You'll receive the check when ready. Bring the check directly to the payee or mail it yourself — Bank of America does not mail it for you when you order in person.

Ordering a cashier's check by mail

Call Bank of America at 1-800-432-1000 to request a cashier's check by mail, or use the mobile app if your account supports it. You'll provide the payee name, amount, and your account information over the phone or through the app. Bank of America will mail the check to the address on file for your account within one to two business days.

If you need the check sent to a different address, tell the representative or note it in the app request. The fee will be deducted from your account when the check is issued, not when it arrives. Keep the confirmation number or email receipt until the check reaches you.

Using the Bank of America mobile app to order a cashier's check

Open the Bank of America app and navigate to the Transfers section. Select "Cashier's Check" or look for a similar option under account services — the exact menu path depends on your app version. Enter the payee name, amount, and the address where you want the check mailed.

Review all details carefully before you submit. The app will show you the fee and confirm the deduction from your account. You'll receive a confirmation number by email. The check will arrive within one to two business days at the address you provided.

What information you need before you order

Write down the payee's full legal name exactly as it should appear on the check — misspellings can make the check difficult or impossible for the payee to deposit. Get the exact dollar amount, including cents if applicable. If the payee gave you an account number, reference number, or invoice number, have that ready too.

Confirm that your Bank of America account has enough money to cover both the check amount and the fee. If you're not sure of your balance, check the app or call 1-800-432-1000 before you go to the branch or place your order.

Fees and account types that waive the fee

Bank of America cashier's check fees depend on your account type. Premium accounts, such as Preferred Rewards accounts at certain tiers, may have the fee waived. Student accounts and some business accounts may also have different fee structures. The only way to know your specific fee is to check your account details online, call your branch, or ask the teller when you request the check.

The fee is deducted from your account at the time the check is issued, regardless of whether you pick it up in person or receive it by mail. There is no refund if you change your mind after the check is printed.

Why a cashier's check cannot be stopped or reversed

Once Bank of America issues a cashier's check, the money is committed and the check cannot be stopped, even if you change your mind. Unlike a personal check, which you can ask your bank to stop payment on, a cashier's check is may provide by the bank itself. This is why the payee trusts it — and why you need to be absolutely certain of the amount and payee name before you request it.

If you make a mistake on a cashier's check, you will have to request a new one and pay the fee again. The original check becomes worthless only if it is never deposited and eventually expires, which can take years. Do not count on this as a solution.

Frequently Asked Questions

How long does it take to get a cashier's check from Bank of America?

Same-day if you go to a branch in person. One to two business days if you order by mail or through the app. Weekends and holidays may add time to mail delivery.

Can I get a cashier's check for more than $10,000?

Yes. Bank of America will issue cashier's checks for any amount. Checks over $10,000 trigger federal reporting requirements, but this does not prevent you from getting the check — the bank straightforward reports the transaction to the IRS as required by law.

What if the payee's name is misspelled on the cashier's check?

The payee may still be able to deposit it if they can prove their identity matches the misspelled name, but many banks will reject it. You will need to request a new cashier's check with the correct spelling and pay the fee again. Always verify the spelling before you submit your order.

Can I cancel a cashier's check after Bank of America issues it?

No. Once issued, a cashier's check cannot be cancelled or stopped. If you no longer need it, your only option is to keep it and never use it, or ask the payee to return it uncashed. Make sure all details are correct before you request the check.

Do I need to be a Bank of America customer to get a cashier's check?

Yes. You must have an open Bank of America account and sufficient funds in that account to cover the check amount plus the fee. Non-customers cannot order cashier's checks from Bank of America.