Bank of America charges $10 for a cashier's check if you order it in person at a branch
Bank of America's standard fee for a cashier's check ordered at a branch is $10 per check. This is the price whether you order one check or multiple checks in a single transaction. If you order by mail or phone, the fee is the same.
The fee applies to all Bank of America checking and savings account holders. If you do not have an account with Bank of America, you cannot order a cashier's check from them—you would need to use a different bank or a check-cashing service.
Some Bank of America account types waive certain fees, but cashier's check fees are not typically waived by any account tier. Even premium accounts like Preferred Rewards do not eliminate this charge.
Key Takeaways
- Bank of America charges $10 per cashier's check whether you order in person, by phone, or by mail.
- You must have a Bank of America account to order a cashier's check from the bank.
- Cashier's checks are drawn on the bank's own account, so the recipient sees Bank of America as the payer, not you.
- Delivery by mail takes 5 to 7 business days; in-person pickup is immediate.
- If you need the check urgently and do not have a Bank of America account, a money order from a grocery store or post office is usually faster and cheaper.
How to order a cashier's check at Bank of America
Walk into any Bank of America branch with your account information and a valid ID. Tell the teller you want to order a cashier's check. You will need to provide the payee name (the person or business the check is written to), the amount, and the date you want the check issued.
The teller will prepare the check on the spot if you order in person. You pay the $10 fee immediately, and the check is ready to take with you. Bring the exact amount or a debit card; some branches may not accept cash for fees.
If you order by phone, call the Bank of America customer service line at 1-800-432-1000. You will need to verify your account and provide the same information. The bank will mail the check to your address on file, which takes 5 to 7 business days. You will be charged the $10 fee and it will appear on your next statement or be deducted immediately, depending on how you pay.
What happens when you receive the cashier's check
A cashier's check is a check drawn on Bank of America's own account, not your personal account. This means the recipient sees "Bank of America" as the payer, and the check is may provide by the bank because the funds are already set aside. This makes it safer than a personal check for large transactions.
The recipient can deposit or cash the check at their own bank just like any other check. There is no special process on their end. The check clears within 1 to 3 business days for most banks, though some may hold it longer if the amount is very large.
When a cashier's check costs less elsewhere
If you do not have a Bank of America account or need the check immediately, other options may be cheaper or faster. The United States Postal Service charges $1.10 for a money order up to $500 and $1.60 for amounts from $500 to $1,000. Money orders are not the same as cashier's checks—they are not may provide by a bank—but they work for many everyday payments and are much cheaper.
Grocery stores like Walmart and Kroger also sell money orders for $0.50 to $1.50 depending on the amount. These are available immediately and require no account. If you need a true cashier's check and do not bank at Bank of America, call your own bank first; many banks offer cashier's checks to their own customers for $5 to $15.
For very large amounts or transactions where the recipient specifically requires a cashier's check, the $10 Bank of America fee is usually worth the security and may provide it provides.
Canceling or replacing a cashier's check
If you lose a cashier's check or need to cancel it, contact Bank of America immediately. The bank can place a stop payment on the check, which prevents it from being cashed if it has not already been deposited. Bank of America typically charges $30 to $35 for a stop payment on a cashier's check.
Once you place a stop payment, the bank will issue a replacement cashier's check for the same amount at no additional charge (beyond the stop payment fee). This process takes 5 to 10 business days. If the original check has already been cashed or deposited, the bank cannot stop it, and you will need to pursue recovery through the recipient or your bank's fraud department.
Differences between a cashier's check and other payment methods
| Payment Method | Cost | Time to Receive | may provide | Who Sees as Payer |
|---|---|---|---|---|
| Bank of America Cashier's Check | $10 | Immediate (in branch) or 5–7 days (mail) | Bank-may provide | Bank of America |
| Personal Check | Free (if you have checks) | Immediate | None; depends on your account balance | You |
| Money Order (USPS) | $1.10–$1.60 | Immediate | None; issuer holds funds | You (or blank if not filled in) |
| Wire Transfer | $15–$30 | Same day or next day | Irreversible once sent | Your bank |
| ACH Transfer | Free to $3 | 1–3 business days | Can be reversed within a window | Your bank |
Frequently Asked Questions
Can I order a cashier's check online from Bank of America?
No. Bank of America does not allow you to order a cashier's check through its website or mobile app. You must order in person at a branch or by phone. If you order by phone, the check will be mailed to you.
Do I need to have money in my account to order a cashier's check?
Yes. Bank of America will deduct the amount of the check plus the $10 fee from your account when you order it. If you do not have enough funds, the order will be declined.
What if the recipient does not cash the cashier's check?
The funds remain set aside by Bank of America indefinitely. The check does not expire, so the recipient can cash it years later. If you need the money back, you must contact Bank of America to request a refund, which may require proof that the check was not cashed and a signed affidavit.
Is a cashier's check safer than a wire transfer?
They are safe in different ways. A cashier's check is reversible if it has not been cashed and you contact the bank quickly. A wire transfer is irreversible once sent. For large amounts going to someone you do not know well, a cashier's check gives you more protection.
Can I get a cashier's check from Bank of America if I do not have an account?
No. You must be a Bank of America customer. If you need a cashier's check and do not bank there, contact your own bank or credit union to see if they offer them. If you have no bank account, a money order from the post office or a grocery store is your best option.