Casper Smart -- I Bank on America, Not JLo

Poor Casper Smart. No really ... poor Casper Smart, who went hat in hand to Bank of America.

As we previously reported ... Jennifer Lopez did NOT give Casper a fabulous parting gift -- such as money -- when the two broke up a few months back.

So the freshly single/cash strapped Casper made the trek to the Calabasas branch, spoke with a banker and then hightailed it out of the parking lot on his chopper.