Getting a Cashier's Check From Bank of America

How to get a cashier's check at Bank of America

You can get a cashier's check from Bank of America by visiting a branch in person, calling the bank, or requesting one through your online account. A cashier's check is a check drawn on the bank's own account and signed by a bank employee, which makes it more find than a personal check because the funds are may provide. Bank of America charges a fee for this service — typically $10 to $15 per check, though the exact amount depends on your account type and branch location.

The process takes a few minutes if you're at a branch, but you'll need to provide the payee name (the person or business the check is written to), the amount, and a valid form of ID. If you're not a Bank of America customer, you can still get a cashier's check, but you'll pay a higher fee and may need to bring cash or a debit card to fund it.

Key Takeaways

• Bank of America issues cashier's checks at any branch during business hours, and the process usually takes 5 to 10 minutes.
• You must provide the exact payee name, the dollar amount, and a valid ID; the check cannot be made out to "cash" or left blank.
• Non-customers can get a cashier's check but will pay a higher fee than account holders.
• Fees range from $10 to $15 for most customers, though some premium accounts may have them waived.
• If you need the check urgently, visiting a branch in person is faster than calling or using online banking.

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

Walk into any Bank of America branch with your valid ID and ask a teller for a cashier's check. Have the payee name written down exactly as it should appear on the check — misspellings or incorrect names can cause the recipient to reject it. Tell the teller the dollar amount and confirm the fee before you proceed.

The teller will prepare the check, which you'll sign or the teller will sign on behalf of the bank. You'll receive the check when ready. If you have questions about the fee or your account, ask before the check is printed, because once it's issued, Bank of America typically cannot cancel it or refund the fee.

Requesting a cashier's check by phone or online

Bank of America customers can call their local branch or the main customer service line to request a cashier's check. You'll need to provide your account number, the payee name, and the amount. The bank will either mail the check to you or hold it at the branch for pickup — ask which option is available when you call.

Some Bank of America accounts allow you to request a cashier's check through the mobile app or online banking portal, though this option is not available on all account types. Check your account settings or call the bank to confirm whether this feature is turned on for you. Mailed checks typically arrive within 5 to 7 business days.

What information you need to provide

The bank requires the exact payee name — the person or business the check is written to. If the name is misspelled or incomplete, the recipient may not be able to cash or deposit it. Write it down the way the recipient has told you, or ask them to spell it if you're unsure.

You also need a valid form of ID, such as a driver's license, passport, or state ID card. Bank of America will not issue a cashier's check without it. If you're requesting one by phone or online, you'll need to verify your identity through your account login or by answering security questions.

The dollar amount must be exact — you cannot request a blank check or one made out to "cash." Some banks have limits on the size of a single cashier's check; Bank of America's limits vary by branch and account type, so ask if you're requesting a very large amount.

Fees and account type differences

Most Bank of America customers pay $10 to $15 per cashier's check. Some premium accounts, such as Preferred Rewards or certain business accounts, may have the fee waived or reduced. Check your account terms or ask a teller whether your account qualifies for a fee waiver.

Non-customers of Bank of America can get a cashier's check, but the fee is higher — often $20 or more. Non-customers must bring cash or a debit card to fund the check, and some branches may require additional ID or have restrictions on the amount.

Timing and when the check is ready

If you visit a branch in person, the cashier's check is ready when ready — usually within 5 to 10 minutes. If you request one by phone, the bank will tell you whether it can be picked up at your branch the same day or if it will be mailed. Mailed checks take 5 to 7 business days to arrive.

If you need a cashier's check urgently, visiting a branch during business hours is the fastest option. Call ahead if you're concerned about wait times, especially during busy periods like lunch or the end of the month.

What happens after you receive the check

Once you have the cashier's check, treat it like cash — it can be deposited or cashed by anyone who has it. Do not sign the back of the check unless you're depositing it into your own account. If you're giving it to someone else, leave the back blank so they can endorse it themselves.

Keep your receipt from the bank, which shows the check number and amount. If the check is lost or stolen before the recipient cashes it, you can contact Bank of America to place a stop payment, though this may take several days and the bank may charge a fee.

Frequently Asked Questions

Can I get a cashier's check made out to myself?

Yes. You can request a cashier's check with your own name as the payee. This is sometimes done for internal transfers or to have a may provide form of payment for your own use.

What if I don't have a Bank of America account?

Non-customers can get a cashier's check at any Bank of America branch by bringing cash or a debit card and a valid ID. You'll pay a higher fee than account holders, and some branches may have additional requirements or limits on the amount.

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

Cancellation is difficult once a cashier's check is printed and issued. You can contact the bank to place a stop payment, but this takes time and may not be may provide. It's best to confirm all details before the check is created.

How long is a cashier's check good for?

Cashier's checks do not expire, but some banks and businesses may refuse to accept a check that is very old — typically more than six months. If your check has not been cashed within that time, contact the recipient to confirm they still have it.

Do I need an appointment to get a cashier's check?

No appointment is required at most Bank of America branches. Walk-ins are accepted during regular business hours. If you're concerned about wait times, you can call the branch ahead of time to ask when it's least busy.