What Bank of America charges for a cashier's check and how to order one

Bank of America charges $10 for a cashier's check if you're a customer with an account at the bank. The fee is the same whether you order in person at a branch, by phone, or online through your account. If you don't have a Bank of America account, you cannot order a cashier's check from them — the bank only issues them to existing customers.

You can order a cashier's check at any Bank of America branch during business hours, or by calling the phone number on the back of your debit card. Some branches allow you to order online through your account and pick it up the same day or within one business day, though availability depends on your branch location and account type.

The check itself is drawn on Bank of America's account, not yours, which is why the recipient sees Bank of America as the guarantor. This is the main reason cashier's checks are used for large transactions — the recipient knows the funds are already set aside.

Key Takeaways

  • Bank of America charges $10 per cashier's check for account holders and does not issue them to non-customers.
  • You can order in person at a branch, by phone, or online through your account, with same-day or next-business-day pickup available at many locations.
  • The check is may provide by Bank of America's funds, not your account, so the recipient can deposit it with confidence that the money exists.
  • You need to provide the recipient's name, the amount, and your account information when you order.

How to order a cashier's check 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 want to order a cashier's check. You'll need to provide the name of the person or business the check is made out to, the exact dollar amount, and the reason for the check (though this is optional and not printed on the check itself).

The teller will confirm the amount will be deducted from your account and charge you the $10 fee. Most branches can issue the check on the spot if you have sufficient funds. If you order late in the day or on a Friday, the check may not be ready until the next business day — ask the teller when it will be ready.

Take the check directly to the recipient or mail it. Do not sign the back of the check unless the recipient asks you to endorse it, which is rare for cashier's checks.

Ordering by phone or online

Call the number on the back of your Bank of America debit card and ask to order a cashier's check. You'll provide the same information — recipient name, amount, and your account details — and the bank will tell you when and where to pick it up. Most phone orders are ready within one business day.

If your account is set up for online banking, log in to your Bank of America account and look for "Cashier's Check" under the Transfers or Services section. Not all accounts have this option available online, so if you don't see it, call or visit a branch instead.

When you pick up an online or phone order, bring your ID to the branch. The teller will verify your identity and hand you the check. The $10 fee will have already been charged to your account when you placed the order.

What information you need to provide

Bank of America will ask for the payee name — the person or business the check is made out to. This must be spelled correctly and match how the recipient will deposit or cash the check. If you're unsure of the exact spelling, ask the recipient before you order.

You'll also provide the exact dollar amount in both numbers and words. The amount cannot be changed after the check is issued, so confirm it with the recipient first. Bank of America will not issue a blank cashier's check or allow you to fill in the amount later.

Have your account number or debit card ready. The bank will deduct the check amount plus the $10 fee from your account, so you need sufficient funds available. Some branches may ask why you need the check, but this is not required information — you can decline to answer.

Pickup, delivery, and timing

If you order in person, most Bank of America branches issue the check when ready or within a few hours. Ask the teller for a specific time if you're in a hurry. If you order by phone or online, expect one business day for pickup at your branch.

Bank of America does not mail cashier's checks to your home address. You must pick it up at a branch in person with your ID. This is a security measure — the bank wants to confirm you are the account holder before handing over a check made out to someone else.

Once you have the check, you can mail it to the recipient, hand it to them in person, or deposit it into another account if you are the payee. Cashier's checks do not expire, but recipients should deposit them within a reasonable time — most banks will not accept a check more than six months old without verification.

Stopping or canceling a cashier's check

If you need to cancel a cashier's check after it has been issued, contact Bank of America when ready. Bring the check to a branch or call the number on your debit card. The bank can stop payment on the check if it has not been deposited or cashed yet.

You may be charged a stop-payment fee in addition to the original $10 fee. Bank of America's stop-payment fee varies, so ask before you request it. If the check has already been cashed or deposited, the bank cannot reverse the transaction.

If you lose a cashier's check before giving it to the recipient, report it to Bank of America right away. The bank can issue a replacement, though you may need to sign an indemnity agreement stating that you will not cash the original check if it turns up later.

Bank of America cashier's checks versus other payment methods

A cashier's check costs $10 and takes at least a few hours to obtain. A wire transfer through Bank of America typically costs $15 to $30 and is faster — often completed the same day — but requires the recipient's bank account and routing number. A regular personal check is free but offers no may provide to the recipient that the funds exist.

A money order from a post office or retailer costs $1 to $5 and does not require a bank account, but has lower dollar limits — usually $500 to $1,000 per money order. A Bank of America debit card payment or ACH transfer is free if the recipient has a bank account and can receive electronic payments, but some recipients (like landlords or sellers) may not accept these methods.

Choose a cashier's check when the recipient specifically requests one or when you are paying for something high-value and want the recipient to have confidence the money is may provide. For everyday payments, a personal check or electronic transfer is usually simpler and cheaper.

Frequently Asked Questions

Can I get a cashier's check from Bank of America without an account?

No. Bank of America only issues cashier's checks to existing account holders. If you don't have an account, you can open one, but it typically takes one to two business days. Alternatively, you can obtain a cashier's check from another bank where you have an account, or purchase a money order from a post office or retailer.

What if I make a mistake on the payee name or amount?

Once a cashier's check is issued, the payee name and amount cannot be changed. You will need to cancel it (and may pay a stop-payment fee) and order a new one with the correct information. Always confirm the payee name spelling and exact amount with the recipient before you place your order.

How long does a Bank of America cashier's check take to clear?

A cashier's check typically clears within one to two business days after the recipient deposits it, because the funds are may provide by the bank. This is faster than a personal check, which can take three to five business days. The recipient's bank may place a hold on the funds, so ask them when the money will be available.

Can I order multiple cashier's checks at once?

Yes. You can order as many cashier's checks as you need in a single visit or phone call, as long as you have sufficient funds in your account to cover all of them plus the $10 fee for each check. Each check is issued separately with its own payee name and amount.

What if the recipient loses or doesn't cash the cashier's check?

The funds remain in Bank of America's account until the check is cashed or deposited. If the recipient loses it, they can ask you for a replacement, and you can request a duplicate from Bank of America. Cashier's checks do not expire, but most banks will not accept one older than six months without additional verification from the recipient.