What ID do I need to cash a check at Bank of America?

Non-customers must provide a valid government-issued photo ID such as a driver’s license, state ID, military ID, or passport.

How much does Bank of America charge to cash a check?

Bank of America typically charges a small flat fee for non-customers who cash checks. The exact amount varies by location.

Can Bank of America refuse to cash my check?

Yes. Bank of America may refuse a check if it is not properly endorsed, lacks ID, appears altered, or cannot be verified.

What are the best alternatives if Bank of America won’t cash my check?

You can try a BOA ATM if you have an account, a check-cashing store, a participating retailer such as Walmart or Kroger, or a mobile check deposit app.

Does Bank of America Cash Checks for Non-Customers? Fees, Rules & ID Requirements

Q: Does Bank of America cash checks for non-customers?

Yes. Bank of America will cash checks for non-customers if the check is drawn on a BOA account. Valid ID and a fee are required.

If you received a check written from a Bank of America account but you don’t bank there, you may be wondering whether the branch will cash it. The short answer is: yes, Bank of America does cash checks for non-customers, but there are rules, ID requirements, and fees to understand before you go.

Does Bank of America Cash Checks for Non-Customers?

Bank of America will cash a check for non-customers as long as the check is drawn on a Bank of America account. This includes payroll checks, personal checks, government checks, and Bank of America cashier’s checks.

They will not cash checks written from other banks unless you have a Bank of America account.

Bank of America Check-Cashing Fees

Non-customers must pay a flat fee, which is typically:

$8 per check (common nationwide)
Same fee regardless of check amount

Some states cap or restrict check-cashing fees, so exact pricing may vary by branch.

What You Need to Bring

Valid government-issued ID (driver’s license, state ID, passport, or military ID)
The physical check
Your thumbprint (required for some in-branch cashing)

Bank of America verifies the check with the issuing account before releasing funds.

Limits and Restrictions

Checks must be drawn on a Bank of America account.
Large checks may require manager approval.
Endorsement must match your ID.
No third-party checks for non-customers.

Best Alternatives if You Don’t Want to Pay the Fee

The issuing bank (if the check is not BOA)
Mobile check deposit apps (Cash App, PayPal, Venmo, Ingo)
Check-cashing stores (ACE, Check Into Cash, etc.)
Your own bank or credit union (typically free deposits)

For fee-saving strategies, see our guide: How to Avoid Extra Check-Cashing Fees.

FAQ

Can Bank of America cash a check instantly?

Yes. Funds are provided immediately when the check is verified, but fees apply for non-customers.

Can BOA refuse to cash a check?

Yes. BOA may decline if the check cannot be verified, is altered, is suspicious, or exceeds branch approval limits.

Does Bank of America cash third-party checks?

No. Non-customers cannot cash third-party checks at Bank of America.

Conclusion

Bank of America does cash checks for non-customers, but you’ll pay a flat fee and must bring valid ID. If you want to avoid fees entirely, consider using mobile deposit apps, check-cashing stores, or depositing into your own bank account. For more tips, see our full guide on Where to Cash a Check Without a Bank Account.