Can I cash this refund check at Bank of America without having an account there?

Can I cash this refund check at Bank of America without having an account there? I only have my credit card with them
christinelamb asked this question 1 year ago
  • 1706 answers • 88% helpful

    This expert is helping you out because there weren't many active Bank of America experts.

    Yes, they will cash the check for refund check (US treasury check) for non-banking customers upto $2500. They may also charge fees for this transaction.

    I would advise talk to bank fist, ask them fees and money availability, otherwise talk to local stores like walmart, 7-eleven etc.

    It's better to shop around for better price.

    Let me know if you further questions.
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  • 2706 answers • 91% helpful

    This expert is helping you out because there weren't many active Bank of America experts.

    Hello Christine,

    Yes you can refund the check from BofA without having an account over their. A small fee will be charged.
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  • Bank of America • 438 answers • 89% helpful

    As long as check says BOA on it yes , you don't needed to have an account to cash it . But if its a refund from the closing and it says Huntington bank or another 3rd party vendor check even though its from Bank of America , you can't cash it , need a recourse account to cash it against . But if that kinda check that you got it from your wireless company or such , you can cash it , and having a credit card with Bank Of America qualifies you to cash that check w/out a fee . Normally business check cashing for non account holder , a fee involved $6.
    By the way did you know that having a credit card qualifys you to get checking and savings account for free ??? What you needed to keep it free is to use your credit card once a month or set up and auto.payment of one of your bills to keep it fee free ...

    Have a blessed Sunday ;0))
  • Bank of America • 361 answers • 87% helpful

    Depending on who the check is drawn on, you can cash the check at BofA. You also qualify for a free checking account since you have a credit card so you could open an account and cash a check no matter what institution a check is drawn on, so that is another option as well.
  • Bank of America • 2146 answers • 92% helpful

    Hi Christine,

    Everybody is correct. It depends.
    Since you have a BoA credit card you can cash ONLY BoA checks. The only reason you can cash BoA checks with a credit card account is because BoA can verify the funds immediately.
    You can not cash checks from other companies because you don't have a recourse deposit account.

    Please give green smiley and let me know if you have more questions.