Bank of America offers cashier's checks at all full-service branches, and you can order one in person or by phone if you're an existing customer

Bank of America issues cashier's checks the same way most banks do: you provide the funds, the bank writes the check on its own account, and the payee receives a check backed by the bank's may provide rather than your personal promise to pay. At BofA, you can request one during a branch visit or call your local branch to order ahead. The process takes a few minutes if you're in person, though some branches may ask you to come back later if they need to verify funds or if you're ordering a large amount.

You'll need to be a Bank of America customer with an open checking or savings account. If you're not yet a customer, you can open an account at a branch, but you won't be able to get a cashier's check the same day — the account setup itself takes time. BofA does not issue cashier's checks to non-customers, even if you walk in with cash.

Key Takeaways

  • Bank of America cashier's checks cost between $10 and $15 per check, depending on your account type and whether you're ordering in person or by mail.
  • You must have an active BofA checking or savings account; the bank will not issue one to non-customers.
  • In-person requests are usually completed within minutes, but calling ahead lets you confirm the branch has stock and can reserve one for you.
  • The check is drawn on Bank of America's account, so the payee knows the funds are may provide and won't bounce.
  • You can also request a cashier's check by mail if you're a BofA customer, though this takes several business days.

What it costs at Bank of America

Bank of America charges a fee for each cashier's check you request. The fee varies slightly by account type and how you order. In-person requests at a branch typically cost $10 to $15 per check. If you order by phone or mail, the fee may be slightly higher, and you'll also pay for postage if the bank mails it to you.

Some BofA account tiers, particularly premium checking accounts, may waive the cashier's check fee or offer a limited number per month at no cost. Check your account benefits or ask a teller whether your specific account includes this perk. If you need multiple checks, the fee applies to each one.

How to order one in person at a BofA branch

Walk into any Bank of America branch with your ID and debit card or account information. Tell the teller you need a cashier's check. You'll provide the payee's name (the person or business the check is written to), the amount, and any memo line details. The teller will verify you have sufficient funds in your account and print the check on the spot.

Bring a photo ID — a driver's license or passport works. If you don't have your debit card, the teller can look up your account using your ID and account number. The entire process usually takes 5 to 10 minutes. Some branches may ask you to wait a few minutes if they're busy, but same-day issuance is standard for in-person requests under normal circumstances.

Ordering by phone or mail

Call your local Bank of America branch directly and ask to order a cashier's check. You'll need to provide the payee name, amount, and your account information. The branch will confirm they can issue one and may ask you to come pick it up or arrange for it to be mailed to you. Pickup is faster — usually within one business day. Mailed checks take 5 to 7 business days and include postage fees.

You can also request a cashier's check through Bank of America's mail-in process if you prefer not to visit a branch. Contact your branch for the specific mailing address and instructions. This route is slower and adds postage costs, so it's best used when you can't visit in person and don't need the check urgently.

What information you'll need to provide

Have the following details ready before you go to the branch or call:

  • The exact name of the payee (the person or business receiving the check)
  • The dollar amount, written out clearly
  • Any memo line text (optional, but useful for noting what the payment is for)
  • Your Bank of America account number or the card you use to access the account
  • A valid photo ID

Double-check the payee name spelling — cashier's checks are difficult to replace if the name is wrong, and the payee may not be able to deposit it. If you're unsure of the exact legal name, ask the payee to confirm it in writing before you go to the bank.

Limits on cashier's check amounts

Bank of America does not publicly post a maximum amount for a single cashier's check, but very large amounts (typically $25,000 or more) may require additional verification or a longer processing time. The bank may ask you to come back later or may contact you to confirm the transaction, especially if it's unusual for your account.

There is no minimum amount, so you can request a cashier's check for any sum your account can cover. If you need a check for an unusually large amount, call your branch ahead of time to ask whether they can issue it same-day or if they'll need extra time to process it.

Frequently Asked Questions

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

No. Bank of America only issues cashier's checks to existing customers with an open checking or savings account. If you're not a customer, you'll need to open an account first, which takes time and means you won't get the check the same day.

What if I make a mistake on the check after it's issued?

Cashier's checks are difficult to cancel or replace once issued. If the payee name is wrong or the amount is incorrect, contact your Bank of America branch immediately. They may be able to stop payment and issue a new one, but this is not may provide and may take several days. Always verify the details before the teller hands you the check.

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

Cashier's checks typically clear within one business day because they're drawn on the bank's own account, not a personal account. The payee's bank may hold it for verification, but most clear faster than personal checks. Ask the payee's bank if you need a specific timeline.

Can I order a cashier's check online through Bank of America's website?

Bank of America does not offer online ordering for cashier's checks through its website. You must visit a branch in person, call your local branch, or use the mail-in process. Phone and in-person requests are faster than mail.

What if I need the cashier's check urgently?

Visit a branch in person — that's the fastest way to get one. Most branches can issue a cashier's check within minutes during business hours. If you call ahead, you can confirm the branch has stock and is ready to issue one when you arrive.