Where Can I Cash a Bank of America Check? Answered

Short Answer

You can cash a Bank of America check at a Bank of America branch for free if you’re an account holder or for a fee of $8 per check if you’re a non-account holder. Other places where you can cash a Bank of America check include your own financial institution, some grocery stores, and check cashing stores like ACE Cash Express, Check Into Cash, Check ‘N Go, and Speedy Cash. For more details, see below.

Table of Contents

Where Can I Cash a Bank of America Check?

We’ve listed the places where you can cash a Bank of America check. Find details, including fees and requirements, below.

Bank of America

You can cash or deposit a Bank of America check at any Bank of America branch for free if you’re an account holder. You can also visit a Bank of America ATM or use the Bank of America mobile app. Keep in mind, bank managers can set limits on the amount you can immediately receive in cash and the amount held against your account while the check clears.

Non-account holders can also cash a Bank of America check at a Bank of America branch. There is an $8 check cashing fee for non-account holders and you’ll need to show two forms of ID. Accepted forms of ID include a valid driver’s license or a valid U.S. passport. There is a $4,000 limit per check, and while there is no official daily limit, bank managers can set limits on the amount you cash in one day. Non-account holders cannot use the mobile app or a Bank of America ATM to cash a check.

We confirmed this information with Bank of America’s corporate customer service department and by contacting Bank of America locations in Florida, New York, and North Carolina.

For more details of Bank of America’s check cashing policies, see our articles on cashing a third-party check at Bank of America and cashing a large check at Bank of America.

Your Own Bank or Financial Institution

You should be able to cash or deposit a Bank of America check at your own bank, credit union, or other financial institution. Most banks do not charge a check cashing fee for account holders, though they will sometimes put a hold against your account for larger checks. Contact your bank for specifics.

Grocery Stores

If you don’t have a bank account or find yourself unable to get to a bank during business hours, another option may be your local grocery store. For the complete list of grocery stores that cash checks, see our related article. Keep in mind, most grocery stores charge a fee.

Check Cashing Stores

Another non-bank option is a check cashing store. Below, we’ve listed the check cashing stores that will cash a Bank of America check.

ACE Cash Express

Fees: Vary by location but are usually between 2% and 10%
Limits: Limits vary by location and are based on the check verification process. Once your check has been verified by an ACE Cash Express associate, the associate will let you know if the check is over the limit.
Requirements: You must bring a government-issued photo ID.
Hours: Check cashing is available any time the store is open, provided an associate is able to verify the check. Store hours vary by location; most ACE Cash Express locations are open Monday through Saturday with select locations open on Sundays.
Sources: ACE Cash Express website; ACE Cash Express store associates in Phoenix, Ariz., and Philadelphia, Pa.

Check Into Cash

Fees: Vary by location but are usually between 2% and 10%, with a minimum fee of $5 per check
Limits: There are no limits, provided the check can be verified.
Requirements: You must have a valid government-issued photo ID and a way to contact the person who wrote the check, such as a phone number. This is part of the verification process.
Hours: Check cashing is available any time the store is open; store associates advise coming in earlier in the day as it’s easier to verify a check during business hours. Verifying a check includes contacting the issuing bank, as well as the person who wrote the check. Most Check Into Cash locations are open from 10 a.m. to 6 p.m. Monday through Friday and 10 a.m. to 3 p.m. on Saturdays.
Sources: Check Into Cash website; Check Into Cash store associates in Avondale, Ariz., and Pensacola, Fla.

Check ‘N Go (select locations)

Fees: Vary by location and check amount; each of the locations we contacted said you’ll need to bring the check in to be verified before they can provide fee information
Limits: There is a $10,000 limit per customer per day.
Requirements: You must provide a government-issued photo ID.
Hours: Check cashing is available any time the store is open. Store hours vary by location; most stores are open Monday through Saturday.
Sources: Check ‘N Go website; Check ‘N Go store associates in Orlando, Fla., and Albuquerque, N.M.

For more details on check cashing at Check ‘N Go, see our related article.

Speedy Cash (select locations)

Fees: Vary by location, with a minimum fee of $2 per check
Limits: There are no limits, provided the check can be verified and the store has enough cash on hand.
Requirements: You must have a valid government-issued photo ID.
Hours: Check cashing is available any time the store is open, provided an associate is able to verify the check with the bank. Store hours vary by locations; most stores are open seven days a week.
Sources: Speedy Cash website; Speedy Cash store associates in Glendale, Ariz., and Nashville, Tenn.