Bank of America offers cashier's checks at any branch, and the process takes about 10 minutes if you have an account there

If you have a Bank of America checking or savings account, you can walk into any branch and request a cashier's check. You'll need to bring a valid ID, tell the teller the exact amount and who the check should be made payable to, and have the funds in your account. The teller will print the check, you'll sign it, and you'll walk out with it — usually the same day. The cost is typically $10 per check, though this can vary by account type and your banking history.

Bank of America also allows you to order cashier's checks by phone or through their mobile app if you're an existing customer, though you'll still need to pick it up at a branch or have it mailed to you. If you don't have a Bank of America account, you can still get a cashier's check there, but you'll need to bring cash or a debit card to cover the amount plus the fee — the bank won't draw from an outside account.

Key Takeaways

  • Bank of America charges $10 per cashier's check for most account holders, though some premium accounts may have different fees or waived fees.
  • You need a valid ID and the exact payee name and amount before you go to the teller; the check is printed and ready the same day.
  • If you don't have a Bank of America account, you can still get a cashier's check by bringing cash or a debit card to cover the full amount plus the fee.
  • Bank of America allows you to order cashier's checks through their app or by phone, but you must pick it up at a branch or request mail delivery.

What you need to bring to the branch

Bring a government-issued photo ID — a driver's license, passport, or state ID card all work. The teller will check it before issuing the check. You also need to know the exact name of the person or business the check should be made payable to; if you spell it wrong or leave it blank, you'll have to go back and get a new one.

Have the dollar amount ready, down to the cent. Bank of America will not issue a blank cashier's check or one made out to "cash" — the payee name must be specific. If you're paying a company, use their legal business name if you know it, not a shortened version. If you're unsure, ask the payee how they want it written before you go to the bank.

How the cost breaks down

The standard fee for a Bank of America cashier's check is $10. Some account types waive this fee — certain premium checking accounts or wealth management accounts may include cashier's checks at no charge. Call your branch or log into your account online to confirm your fee before you go in.

The fee covers the check itself and the bank's verification that the funds are available. Unlike a personal check, a cashier's check is may provide by the bank, which is why the payee trusts it immediately. You pay the fee regardless of the check amount — whether it's for $100 or $10,000, the cost is the same.

Ordering by phone or app instead of going in person

Bank of America customers can order a cashier's check through the mobile app or by calling their local branch. You'll provide the same information — payee name, amount, and your ID details — but you won't have to wait in line. The check is typically ready for pickup within one business day.

If you order by phone, the branch will hold the check for you to pick up. If you use the app, you'll see the status and can arrange pickup or request that it be mailed to you. Mailed cashier's checks take longer — usually 5 to 10 business days — so this option works best if you're not in a rush.

What happens if you need to cancel or replace a check

If you lose a cashier's check or realize you made a mistake on the payee name, contact Bank of America right away. The bank can stop payment on the check, but you'll typically have to pay a stop-payment fee (usually $30 to $35) and wait a set period — often 90 days — to confirm the original check hasn't been cashed before issuing a replacement.

If the mistake is the bank's error — for example, they misspelled the payee name — Bank of America should replace it at no charge. Bring the original check back to the branch and explain the error. The teller can void it and issue a corrected one on the spot.

Bank of America cashier's checks vs. other payment methods

A cashier's check is safer than a personal check because the bank guarantees the funds before handing it over. A wire transfer is faster — it clears the same day — but costs more and requires the recipient's bank account details. A money order is cheaper and doesn't require a bank account, but the maximum amount is usually $1,000 per money order, so large payments require multiple orders.

For payments over $1,000 where you need the payee to trust the funds immediately, a cashier's check is often the best choice. For urgent payments, a wire transfer is faster. For small amounts under $1,000, a money order from a grocery store or post office may be cheaper and more convenient than a trip to the bank.

Frequently Asked Questions

Can I get a Bank of America cashier's check if I don't have an account there?

Yes. Bring a valid ID and enough cash or a debit card to cover the check amount plus the $10 fee. The teller will issue the check the same day. You cannot use funds from an account at another bank.

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

Most cashier's checks clear within one business day because the bank has already verified the funds. Some recipients may hold it for a day or two as a standard practice, but the bank's may provide means there's no risk of it bouncing.

What if I need a cashier's check after the branch closes?

Bank of America branches have different hours; some are open on Saturdays. Check your local branch's hours online. If you need a cashier's check outside business hours, a money order from a 24-hour convenience store or grocery store is your fastest alternative, though the maximum is usually $1,000.

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

Yes. Tell the teller both names and how they should appear on the check — for example, "John Smith and Jane Smith" or "John Smith or Jane Smith." The payee will determine which format they need. Both people will typically need to endorse the check when they deposit it.

Is there a limit to how much a Bank of America cashier's check can be for?

Bank of America does not publish a maximum amount for cashier's checks. Very large checks may require approval from a manager or additional verification, so call your branch ahead if you need a check for more than $10,000.