What is the CASHIER CHECK BANK OF AMERICA charge on my credit card?

What this charge usually means

The descriptor CASHIER CHECK BANK OF AMERICA is typically tied to a cashier’s check service at Bank of America. In most cases, this is a bank fee charged when a customer requests an official cashier’s check at a financial center. Bank of America publicly states that cashier’s checks are available to eligible customers and that a fee commonly applies. For many personal accounts, that fee is often around $15, and it may be waived for some Preferred Rewards customers.

This is usually a one-time service charge, not a subscription. If you recently asked for a guaranteed bank check for rent, a vehicle purchase, escrow, or another large payment, this descriptor can match that activity.

Why it appeared on your statement

Charges like this often show up when the service was performed at a branch, and the wording on card or account statements may be condensed. That means the descriptor can look different from what you remember at the teller line or on a receipt. In many cases, the charge posts on the same day or within a few business days, depending on account processing times.

• You requested a cashier’s check at a Bank of America financial center.
• A joint account holder or authorized user completed the request.
• A pending transaction posted later and now appears with shortened wording.
• The fee was assessed, but your check amount was separate from the service fee.
• You expected a waiver, but your account did not qualify at the time.

How to verify the charge quickly

Start with your account activity around the transaction date and compare it with branch receipts or messages in Online Banking. Look for a same-day or nearby transaction tied to check services. If you keep payment records, confirm whether you used a cashier’s check for a landlord, title company, school, or utility deposit.

If anything is unclear, call Bank of America customer support directly using the number on the back of your card or the official contact page. Ask the agent to confirm the exact branch, date, and service type linked to the charge. Keep notes of the call, including representative name and reference number.

How to stop future charges

Because this is usually not recurring, there is nothing to “cancel” like a membership. To avoid future cashier-check fees, ask about alternatives before your next payment. Depending on your situation, Bank of America may offer options such as bill pay, transfers, or digital payment methods.

If you often compare statement labels, it can help to review similar descriptor pages for other services, such as Patreon and Cash App, so you can quickly spot which charges are expected and which need follow-up.

When and how to dispute

Dispute the transaction if you are confident you did not request the service, the amount is wrong, or the timing does not match your records. Contact the bank as soon as possible and state that you want to file a billing dispute for an unrecognized service charge. Provide supporting details: your statement date, posted amount, and any documents showing you did not authorize or receive that specific service.

If the bank confirms the fee was valid, ask for the reason in plain terms and whether any courtesy reversal is available. If it was unauthorized, request a replacement card or additional account protections, and monitor transactions closely for the next few billing cycles.