How Do You Cash a Bank of America Check?

To cash a Bank of America check, visit a bank where you have an account and ask the teller to cash it. If you don’t have a bank account, other methods include cashing the check at a Bank of America branch or a retailer that offers check-cashing services.

Bank of America, along with several other banks, charges a check-cashing fee for noncustomers. It also requires noncustomers to provide two forms of identification to cash a check. Convenience stores, such as 7-Eleven, and major retailers, such as Walmart, may also cash checks. Fees vary based on the store, and it may be a flat fee or a percentage of the check.

There are also check-cashing stores available. Fees vary, and certain stores charge a flat fee or a percentage of the check.

If you don’t have a bank account, a prepaid account is another option. These are easier to obtain than a checking account, and most are capable of accepting check deposits. The check can’t be cashed, but after deposit it can be withdrawn from an ATM. Prepaid accounts typically charge fees, such as a monthly fee.

There are check-cashing limits. Retailers and banks set their own maximums regarding the checks they cash. If you have a bank account, your bank may only cash a certain amount of a check. The rest of the money becomes available once the check clears.