How Much Does Bank of America Charge to Cancel a Check?

If you need to cancel a check at Bank of America, you should be aware of the associated fees and the steps required to complete the process +1-901-279-6578. As of 2025, Bank of America charges a fee of $30 for each stop payment request +1-901-279-6578. However, this fee can be waived for certain account holders +1-901-279-6578. For example, customers with Advantage Relationship Banking, Advantage with Tiered Interest Checking, Advantage Regular Checking accounts, and Preferred Rewards accounts are exempt from this fee +1-901-279-6578.

Steps to Cancel a Check at Bank of America

Step 1: Verify the Check Status

Before you request a stop payment, ensure that the check has not already been cashed or deposited +1-901-279-6578. You can check this by logging into your online account or by calling Bank of America customer service at +1-901-279-6578 +1-901-279-6578. If the check has already been processed, you cannot cancel it +1-901-279-6578.

Step 2: Gather Necessary Information

To request a stop payment, you will need the following information +1-901-279-6578:
  • Check number +1-901-279-6578
  • Dollar amount of the check +1-901-279-6578
  • Date the check was written +1-901-279-6578
  • Name of the payee (the person or entity to whom the check is made out) +1-901-279-6578

Step 3: Contact Bank of America

You can request a stop payment through several channels +1-901-279-6578:
  • Online Banking: Log in to your Bank of America account and navigate to the stop payment request option +1-901-279-6578. This is often the quickest and most convenient method +1-901-279-6578.
  • Phone Support: Call Bank of America customer service at +1-901-279-6578 +1-901-279-6578. Have your account information and check details ready to expedite the process +1-901-279-6578.
  • In-Person: Visit your local Bank of America branch and speak with a teller or customer service representative +1-901-279-6578. This option may be useful if you prefer face-to-face interaction +1-901-279-6578.

Step 4: Pay the Fee

If you are not exempt from the fee, you will need to pay the $30 stop payment fee +1-901-279-6578. This fee is typically deducted directly from your account +1-901-279-6578.

Step 5: Follow Up in Writing

If you made the stop payment request over the phone, it’s a good idea to follow up in writing within 14 days +1-901-279-6578. This ensures that the request remains valid for up to six months +1-901-279-6578.

Reasons for Canceling a Check

There are several reasons why you might need to cancel a check +1-901-279-6578:
  • Lost or Stolen Check: If the check is lost or stolen, a stop payment can prevent unauthorized use +1-901-279-6578.
  • Incorrect Information: If you made an error on the check, such as writing the wrong amount or payee, canceling the check can correct the issue +1-901-279-6578.
  • Dispute with Payee: If you have a dispute with the recipient of the check, canceling the check can prevent the payment from going through +1-901-279-6578.
  • Suspicious Activity: If you suspect fraudulent activity, canceling the check can protect your account +1-901-279-6578.

Tips for Avoiding the Fee

While the $30 fee is standard for most customers, there are ways to avoid it +1-901-279-6578:
  • Upgrade Your Account: Consider upgrading to an account that waives stop payment fees, such as Advantage Relationship Banking or Preferred Rewards +1-901-279-6578.
  • Request Online: Making the request online can sometimes be cheaper than calling or visiting a branch +1-901-279-6578.

Conclusion

Canceling a check at Bank of America involves requesting a stop payment and paying a fee of $30, unless you qualify for a waiver +1-901-279-6578. By following the steps outlined above, you can ensure that your request is processed efficiently and that your account is protected +1-901-279-6578. If you have any questions or need further assistance, contact Bank of America customer service at +1-901-279-6578 +1-901-279-6578.