Chase charges $10 for a cashier's check at most branches, though some accounts waive the fee

Chase charges $10 per cashier's check at most of its branches. However, if you hold certain premium accounts — Chase Premier Plus, Chase Sapphire Preferred, or Chase Sapphire Reserve — the fee is waived. You can order a cashier's check in person at any Chase branch, and the bank will issue it the same day in most cases.

The fee applies whether you order one check or multiple checks in a single transaction. If you need several cashier's checks, you'll pay $10 for each one unless your account qualifies for a waiver.

Key Takeaways

  • Chase charges $10 per cashier's check unless you have a Premier Plus, Sapphire Preferred, or Sapphire Reserve account.
  • You must order a cashier's check in person at a Chase branch; the bank does not issue them online or by phone.
  • Chase will issue the check the same day if you order before your branch closes, though you may need to wait a few hours for processing.
  • You need a valid ID and sufficient funds in your account to cover the check amount plus the $10 fee.

How to order a cashier's check at Chase

Visit any Chase branch during business hours and tell the teller you need a cashier's check. Bring a valid photo ID and know the exact amount you need and the payee's name (the person or business the check is written to). The teller will verify you have enough money in your account to cover both the check amount and the $10 fee, then issue the check on the spot.

Processing usually takes 15 to 30 minutes, though it can vary depending on how busy the branch is. If you arrive near closing time, the teller may ask you to come back the next day. Chase does not issue cashier's checks through its mobile app, online banking, or by phone — you must go to a branch in person.

Which Chase accounts waive the cashier's check fee

Chase Premier Plus, Chase Sapphire Preferred, and Chase Sapphire Reserve cardholders do not pay the $10 fee. If you have one of these accounts and want to confirm your fee waiver applies, ask the teller before they process the check.

Standard Chase checking accounts, including Chase Total Checking and Chase College Checking, do not include a fee waiver. If you frequently need cashier's checks, the cost of upgrading to a premium account may or may not make sense depending on the account's other benefits and annual fees.

What to bring and what to expect

Bring a valid government-issued photo ID (driver's license, passport, or state ID card). You'll need to know the payee's name spelled correctly — if you misspell it, the check will be invalid and you'll need to order a new one. You also need enough money in your account to cover the full check amount plus the $10 fee; Chase will not issue a cashier's check if your balance is too low.

Tell the teller if the check is for a specific purpose (paying a contractor, closing on a house, paying a court judgment). This helps the teller confirm the amount is reasonable and flag any potential fraud concerns. The teller will print the check, and you'll sign it in front of them. The check is ready to use immediately.

Cashier's checks versus personal checks

A cashier's check is drawn on the bank's own account, not yours, so the recipient knows the money is may provide. A personal check is drawn on your account and can bounce if you don't have enough money. This is why landlords, contractors, and government agencies often require a cashier's check instead of a personal check.

Because the bank guarantees the funds, a cashier's check is harder to dispute or reverse than a personal check. If you send a cashier's check to the wrong person or for the wrong amount, you cannot simply stop payment the way you can with a personal check. You would need to contact Chase and request a stop payment, which may or may not be honored depending on whether the check has already been cashed.

Alternatives if you want to avoid the $10 fee

If you need to send money but want to avoid the cashier's check fee, consider a wire transfer. Chase charges $15 to $20 for a domestic wire transfer, which is more than a cashier's check, but a wire transfer is faster and harder to reverse. Wire transfers typically arrive within one business day.

Another option is a money order, which you can buy at most grocery stores, pharmacies, and post offices for $1 to $3. Money orders work similarly to cashier's checks — they're may provide by the issuer — but they have lower limits (usually $500 to $1,000 per order) and are not accepted in all situations. Ask the recipient whether they'll take a money order before you buy one.

What happens if you lose or damage a cashier's check

If you lose a cashier's check before you deliver it, contact Chase immediately. The bank can place a stop payment on the check, which prevents anyone else from cashing it. You'll need to provide the check number, amount, payee name, and the date it was issued. Chase may charge a stop payment fee (typically $25 to $35) and may require you to sign an affidavit stating the check was lost.

Once the stop payment is confirmed, Chase will issue a replacement cashier's check. You'll pay another $10 fee for the replacement unless your account waives the fee. The whole process usually takes a few business days.

Frequently Asked Questions

Can I order a cashier's check online or by phone?

No. Chase only issues cashier's checks in person at a branch. You cannot order one through the mobile app, online banking, or by calling customer service. You must visit a branch during business hours with a valid ID.

How long does it take to get a cashier's check?

Chase issues cashier's checks the same day if you order before your branch closes. Processing usually takes 15 to 30 minutes. If you need the check urgently, call your branch ahead of time to confirm they have staff available.

What if I don't have enough money in my account to cover the check?

Chase will not issue a cashier's check if your account balance is lower than the check amount plus the $10 fee. You'll need to deposit money first or use a different payment method.

Can I stop payment on a cashier's check after I've given it to someone?

Yes, but it's difficult and expensive. Contact Chase and request a stop payment, which typically costs $25 to $35. Chase will need the check number, amount, payee name, and issue date. If the check has already been cashed, the stop payment cannot be reversed.

Do I pay the $10 fee if I order multiple cashier's checks at once?

Yes. Chase charges $10 per check, so if you order three cashier's checks, you'll pay $30 in fees (unless your account waives the fee). Each check is processed and charged separately.