Bank of America Charges a Check Image Fee on Paper Statements

You may be surprised with an extra fee if you receive images of cancelled check on your paper statements. This check image fee was introduced by Bank of America in 2011 and it can be avoided rather easily.

The $3 fee is formally called a “Check Image Service Fee” and it seems to cover the costs of having printed images of your canceled checking mailed to you with your paper statement.

Charging for check-images is nothing new to the banking world. Other large banks charge a similar fee as they try to get steer customer away from costly paper statements.

What is a Check Image Fee and How to Avoid It

According to the bank, the Check Image Service is described as: A Check Image Service fee is charged for returning images of your canceled checks with your monthly statement. You can receive an online version of your statement which includes images of your cancelled checks at no cost. To change the way you receive your statements, visit the Stop/Start receiving paper statements link within the Customer Service menu in Online Banking. Therefore, to avoid this fee, you have to do one of the following:

  • Review cancelled check images online
  • Opt out of paper statements

Otherwise, you'll have to pay an extra $3 during the months that you have a check image in your paper statements.

Remember that you can always print the check image on your own after you view it through online banking. This will come in handy if you ever need paper documentation of the cancelled check.

Consider alternative checking accounts that provide more features without the long list of fees:

Related Articles

How to Avoid Bank of America Checking Account Fees
What is the Bank of America Preferred Rewards Program
7 Ways to Work Around Bank of America's No-Cash Deposits Policy

Ask a Question

Thursday, 14 Nov 2019 6:27 PM
<p>That's nothing. 1st Mid America Credit Union doesn't display scanned checks at all, and a request for even the names that were on the checks resulted in the following message:</p><p>"We will work on getting this information together for you, but please know that it can take some time. There is a $20 per hour research fee. Please indicate your understanding that a fee will be charged before we proceed."</p><p>Note that in this case I didn't even request the check images. Just the names on the checks, where I provided the exact date of the transaction and the amount of the transaction.</p>
Sunday, 30 Jul 2017 2:30 PM
<p>I am signed up for paperless statements..last month i requested a statement copy by main and they charged me $10</p>
Wednesday, 05 Apr 2017 6:41 PM
<p>To avoid $3 fee with paper statements do not include images in your paper statement; that option is given when making the change.<br></p>
Monday, 03 Feb 2014 2:21 AM
<p>I only just noticed three years later. this should be provided complimentary as a service. They make enough money from the interest on your money... they are just being greedy bastards charging any other fees on your account. But we all know Bank of America is the most crooked and corrupt banking organization in the USA, funding wars and all sorts of questionable business practices. Just withdrawal your money as soon as the funds have come through the bank and put them anywhere else except in a bank. That way you have power over the banks and you have your money, every cent of it, whenever you want it.</p>
Monday, 13 Jan 2014 10:03 PM
<p>I think it's time I dumped this cheezy bank. Some notice from 2010 is making this OK? I never made a account with BOA, We got a account 40 years ago at the Bank of South Austin. Thru takeovers and mergers, here I sit with these theives charging me for something I can see on-line anytime. Good Bye Bank of Ripoff!</p>
Sunday, 17 Mar 2013 8:31 PM
<p>In view of the latest news of high profile peoples credit reports being exposed (Gates, Beyoncé, etc) why on earth would I want my banking/financial info on the Web...B of A should be protecting us, not jeopardizing us, by requiring online banking to avoid check image fees. I'm a low income senior and all these extras add up...Think Bof A is doing just fine financially without dinging the little guy. I'll take my banking elsewhere.</p>
Thursday, 22 Nov 2012 4:46 PM
<p>Carbon-copy checkbook registers still exist.</p>
Sunday, 09 Sep 2012 6:08 PM
<p>Just found out they've been charging me this fee.  I am going to demand a refund, and consider changing banks!<br></p>
Tuesday, 21 Feb 2012 5:38 PM
<p>Just had the most incredible conversation with Bank of America.  If you write a check using a quill pen and ink made of bear fat and fireplace soot you can get an electronic copy on line.  But if you use their super duper 21st century Bill Pay system to generate checks and pay bills Bank of America has absolutely no online record of these electronic checks. you have to call and get a copy by mail or fax.  It is incredible how far down the food chain you have to go to find this kind of stupidity. As Samuel Johnson said: "Such an excess of stupidity is not found in Nature"</p>
Saturday, 08 Oct 2011 12:41 AM
<p>I have been with B of A for over 30 years. I will not do my banking online. I just got jacked on my Pay Pal account and that is suppose to be safe. There is no one that can guarantee that your personal information on-line is safe.</p>
Saturday, 01 Oct 2011 11:38 PM
<p>Hey geegee,</p><p>You ever hear of a little thing called interest. You put your money in a bank and they loan it out to other people and make interest leveraged by your deposits...... They make billions upon billions this way. They also make billions upon billions in many other ways like........... Mortgages, credit cards ,card service fees, overdraft fees, etc, etc, adding up to trillions of dollars industry wide! I really don' think that we need another capitalist pig apologist for the banking industry that's inventing new ways to screw us out of our money! </p>
Wednesday, 15 Jun 2011 1:16 AM
<p>In recent months, BofA is so greedy that they've added these little $3 fees on Maximizer Savings accounts that gets a ridiculous 1% interest, something .15 cent interest per month.  Now this stupid fee about bank statements.  I'm taking my $10K+ accounts to Chase!</p>
Monday, 30 May 2011 9:06 PM
<p>I just realized this on this months statement.  I do not have time every month to check this in detail, but I do eventually do an audit against my checkbook. Since I have always had the Advantage account and would have to at least keep a balance of 5K, I actually do expect to get something for "free".  I have lent them 5K for the last 15 years so is it really free?  I suppose if your account varies between 0-1000 they lose money on you.  If it were not for the free stuff that goes along with the account I would have taken my 20K somewhere else long ago and given up BOA's whopping 0.75% interest.</p><p>I never signed up for this new account and if they do not refund my fees for the last 3 months, they will lose my accounts.  There are banks out there that still appreciate your business.  BOA is trying to make up for their bad investments by sticking it to their customers.  In the last few years it has become less conveinent to bank with them in my city... less branches...less atms.  I think BOA will eventually fail if they keep doing this, because people will not put up with it. </p>
Saturday, 14 May 2011 9:17 PM
<p>I am a senior and am very upset by this change.  I was not aware of the change for three months as no notices were sent out.  I may move my account to my credit union. I  miss check image copies for cancelled checks.</p>
Sunday, 01 May 2011 5:08 PM
<p>OK, that does it! I'm going local! B of A is rolling in money and laughing at the public while we run like hamsters on a wheel trying to keep up with their latest tricks. No more!!!!! </p>
Thursday, 21 Apr 2011 7:38 PM
<p>You may be missing the highest "fee" of them all..interest rates less than 1/10th of a percent or no interest at all. How much is that costing you every year? Yes, banks are in it "for the money", trying to excise 24.99% interest from the unwary and paying you nothing for using your cash. Happy paying nuisance fees? Lotta luck to you.</p>
Thursday, 21 Apr 2011 7:35 PM
<p>I was charged the fee in March and I asked Bof A to remove the charge - in return I was to deselct having check images mailed. I did so, but in April, I was charged again for check imaging. The response this time - it takes up to 30 days for the request to be activated and by that time another statement period will have been reached, triggering the charge. I requested that it be removed again.</p>
Wednesday, 20 Apr 2011 6:36 PM
<p>I am bank-shopping. The hell with this greedy bunch.</p>
Tuesday, 05 Apr 2011 10:26 PM
<p>Except they still jack the money from you when you do have considerable investments and mortgages. You might say it is in the mud but it is contrary to their whole public image commercial schtick where they say they have all these services with no fees. Yes, other companies are constantly ripping us off to with these measly "Fees" for which you really get almost no service from, doesn't make it right either.</p>
Tuesday, 05 Apr 2011 10:22 PM
<p>Well, even with this coverage they seem to be unable to show you images of all your checks. Checks beyond 180 days are out of the question and some checks get posted funny without the check number as printed on the check and are unviewable. These checks are all subject to the $3 per copy. Seems exploitive to me considering it is my financial information. And yes, this has happened with checks written on paper. When you ask about it they bring up all kinds of cases applicable to electronic checks, but which I know for a fact were checks I wrote out on paper checks. </p>
Monday, 04 Apr 2011 11:06 PM
<p>I don't understand why people think they should get everything for free when it comes to banking. Especially people with no mortgage or investments. It prob costs the banks money just to have you as a customer. Would you expect your cell ph carrier to just provide you services for free? When T-mobile charges you $9.99 a month to text message do you cry about it like a little baby? No, you expect to pay for your services. But, when it comes to banking you think that the acct, atms, banking center services, statement services, checkcards, online banking, bill pay and all other services should be on the banks dime? I really don't get people. My bank makes my life so much more convenient then it was with banking 15 years ago and I actually kinda appreciate it. I get everything for free right now which kinda blows me a way. If they wanted to start charging me $3 a month or even $10 a month for everything I get out of the deal I would still feel like I am getting a bargain. </p>
Monday, 04 Apr 2011 11:02 PM
<p>We were all notified in advance. It was on our statement in sept, oct, or nov.. somewhere around there. Is it the banks fault your parents don't read their notices?<br></p>
Saturday, 19 Mar 2011 10:05 PM
<p>Bank of America is forcing customers to choose paperless statements by charging this fee and adding no value. It means that the customer must always lose, and the banking executives must always win, despite the little people bailing them out after they mismanaged our money.</p>
Saturday, 19 Mar 2011 2:19 AM
<p>Senior citizens don't have computers and access to online banking. They are on a fixed income. A surprise three dollars a month is another form of senior abuse! How horrible for elders in the community. When every penny is being counted just to live there is no warning. Shame on Bank of America. Besides I never forgot about their contribution to aparth... disgusting. I will surely see that my parents pull out their savings. </p>
Thursday, 03 Mar 2011 1:47 AM
<p>Regarding BOA's check imaging fee. They will either drop the fee and continue to send me the imaged checks or I will take my considerable account elsewhere. Their choice. </p>
Wednesday, 02 Mar 2011 9:04 PM
<p>I contacted them with online chat here is the result:<br>You can switch your statements to "check safe keeping". That way you get paper statement without check images and request up to 2 copies of checks per month and still view print any of the checks online. Also got a refund for the last fee. Good luck.</p>
Tuesday, 01 Mar 2011 2:17 PM
<p>My Mom and I did not get told in advance.</p>
Sunday, 27 Feb 2011 1:55 PM
<p>Bank of America is SO LAME for doing this. If they did "tell us in advance", it certainly was not an obvious communication. I was totally caught off guard and I think that it is an awful practice.</p>
Sunday, 27 Feb 2011 12:10 AM
<p>DON'T LET THEM FORCE YOU INTO ONLINE STATEMENTS! I contacted them through the online chat feature, and the associate was able to remove the imaging "request" and the fee from my account, so I don't have to pay and don't get the additional (worthless) $3 piece of paper with the tiny copy of the front of my checks. I can still look at the checks online and see both front and back, as well as make copies if I need to. Far better.</p>