Are you owed a slice of the $100 million fine Bank of America has to pay?

Bank of America was fined $250 million this week by US federal regulators for allegedly harming customers by double-dipping on fees, withholding credit card rewards and opening fake accounts.

Of those fines, $100 million is set to go directly to consumers who were impacted by the bank's alleged wrongdoing.

Some customers have already been compensated, according to the Consumer Financial Protection Bureau, one of the two government agencies that investigated Bank of America's practices. But others may be waiting a while before they get the slice of money they're owed.

If an account was fraudulently opened in your name, it would appear on your bank statements or credit report, the CFPB told CNN. Both records should list the bank accounts and credit cards you've opened. If you see one you don't recognize from Bank of America and have no record of opening it, there's a chance it could be fraudulent.

Bank of America's alleged wrongdoing dates back to at least 2012, according to the CFPB. That means customers could have had an unauthorized account open for over a decade.

People are generally bad at keeping or knowing how to access relatively recent bank records, said Harvey Rosenfield, founder of Consumer Watchdog, a nonprofit consumer advocacy group. It's unlikely the average customer saved copies of their bank records or credit reports for over a decade, he said.

Some of these records could be accessed online, but it gets dicey, especially if you switched from Bank of America to another bank over the past decade or if the customer affected has since passed away, said Rosenfield.