Will bank of america let me cash out a check for $1800?

I just got paid for a big construction job and i was wondering if bank of america would cash my check of $1800? I do have an account there but i dont want to deposit it because i know they will put a hold on it and i need the money right away because im buying a car and i was going to use it for my downpayment.

I just got paid for a big construction job and i was wondering if bank of america would cash my check of $1800? I do have an account there but i dont want to deposit it because i know they will put a hold on it and i need the money right away because im buying a car and i was going to use it for my downpayment. And if they do cash it right away how much is the charge?

Best Answer:

Parsons: You have probably tried to cash your check by now, but just in case. First, I'm a BOA customer. The answers above are not quite all encompassing. IF you have sufficient funds in your account, they will cash the check for you. Also assuming NOT a check drawn on a BOA account, because they would check the balance in that account and cash your check if it had sufficient funds. But since you asked about depositing it, and know they will put a hold on your funds after deposit, then you probably don't have enough to cover the check in your account. BOA is entitled to hold your check funds (usually give you a small amount of provisional credit) when it's deposited, to make sure the check is good. It doesn't take long, that's why 2-3 days is usual wait period. If it was a cashier's check or certified check from another bank, then they would probably give you instant credit.

Now, you can bring the check to the bank it's drawn on. Hopefully they have a branch close to you. BOA is one of the horrible ones about this. I think they charge non-account owners a fee to cash checks drawn on their customer's accounts. I don't truly think that is legal but then I haven't personally had to deal with it. So there may be a small check cashing charge. But they should cash your check with sufficient ID, providing there are enough funds in that company's account to cover your check.

Other answer:

Parsons:
If they are going to put a hold on it then they aren't going to cash it out very likely. However, you can go ask them.

If you have an account with them there should be no charge, depending on your account terms and conditions.

You could try Walmart, they'll charge you $6.

Jeff T:
They will cash it if you already have $1800 in your account. That way, if it bounces, they know where they can find the money to get paid back.
Happy Gramps:
if you don't have at least $ 1800 in your account, then they maybe won't cash it…………….you might want to go to the issuing bank, where it will be cashed

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