Chase issues cashier's checks at most branches, but you need to go in person with a valid ID and funds in your account
Yes, Chase Bank issues cashier's checks. You cannot order one online or by phone — you must visit a branch in person with a government-issued ID, your account number or debit card, and enough money in your account to cover the check amount plus the fee. The teller will deduct the full amount (check plus fee) from your account immediately and hand you the check on the spot.
Cashier's checks are useful when the recipient needs proof that funds are may provide — for example, when buying a car, making a down payment on a house, or paying a contractor who will not accept a personal check. Because the bank itself guarantees the check, it carries less fraud risk than a personal check.
Key Takeaways
- You must visit a Chase branch in person with a valid ID; cashier's checks cannot be ordered online or by phone.
- Chase charges a fee for each cashier's check, which varies by account type and region but typically ranges from $5 to $15.
- The bank deducts the full check amount plus the fee from your account immediately when you request the check.
- The check is ready the same day, and you receive it directly from the teller.
- If you do not have a Chase account, you can still get a cashier's check but may pay a higher fee or need to bring cash to the branch.
What you need to bring to the branch
Bring a government-issued photo ID — a driver's license, passport, or state ID card. You will also need to tell the teller either your Chase account number or present your debit card so they can verify your account and pull the funds.
Make sure you have enough money in the account to cover both the check amount and the fee. If you are requesting a check for $5,000 and the fee is $10, you need $5,010 available in your account. The bank will not issue the check if your balance is too low.
Chase cashier's check fees and timing
Chase charges a fee for each cashier's check you request. The exact amount depends on your account type — some premium accounts may have lower fees or a certain number of free checks per month — and your region, as fees can vary slightly by state. Most customers pay between $5 and $15 per check. Ask the teller for the exact fee before you request the check.
The check is issued the same day you request it. You walk out of the branch with the check in hand. There is no waiting period or processing time.
If you do not have a Chase account
You can still get a cashier's check from Chase even if you do not have an account there. You will need to bring cash or a debit card from another bank, a government-issued ID, and the recipient's name and address. Chase will charge you a fee, which may be higher than the fee charged to account holders — sometimes $15 to $25 or more, depending on the branch.
Call ahead to confirm that the branch you plan to visit can issue cashier's checks to non-customers, as policies can vary slightly by location.
What to do if you lose or damage the check
If you lose a cashier's check or it is damaged before you use it, contact the Chase branch where you obtained it as soon as possible. The bank can place a stop payment on the original check and issue a replacement. You may be charged a stop-payment fee, which is typically $25 to $35, though some accounts waive this fee.
To get a replacement, you will need to return to the branch in person with your ID and proof of the original transaction (your receipt or account statement showing the deduction). The bank will verify that the original check has not been cashed, then issue a new one.
Alternatives to a cashier's check
If you need a may provide payment but do not want to visit a branch, consider a money order from a post office, grocery store, or pharmacy. Money orders work similarly to cashier's checks but are issued by the post office or retailer rather than your bank, and they are usually cheaper ($1 to $5). However, they have lower maximum amounts — typically $500 to $1,000 per order — so they do not work for large payments.
A wire transfer is another option if the recipient has a bank account. You can initiate a wire transfer online or by phone, and the funds arrive in the recipient's account within one to two business days. Wire transfers carry a fee (usually $15 to $30) and cannot be reversed once sent, so confirm the recipient's account details before you initiate the transfer.
A certified check is similar to a cashier's check but is drawn on your own account and signed by you. The bank certifies that the funds are available, but it takes longer to obtain — usually one to three business days — and some recipients do not accept them because they carry slightly more fraud risk than a cashier's check.
What happens after you hand over the check
Once you give the cashier's check to the recipient, they deposit or cash it like any other check. The recipient's bank will verify that it is a genuine Chase cashier's check and clear the funds, which typically takes one to three business days. Because the bank guarantees the check, the recipient does not have to worry about the check bouncing.
Keep your receipt from the Chase teller. If there is ever a dispute about whether the check was received or cashed, your receipt and account statement (showing the deduction) are proof that you obtained and paid for the check.
Frequently Asked Questions
Can I get a cashier's check on a weekend or after hours?
No. Cashier's checks are only issued during regular branch hours. If you need one urgently, visit a Chase branch early in the morning or during your lunch break on a weekday. Some Chase locations have extended hours on Saturday mornings, so check your local branch's schedule online.
What is the maximum amount for a cashier's check at Chase?
Chase does not publish a specific maximum limit for cashier's checks. Very large checks (over $100,000) may require advance notice or approval from the branch manager, so call ahead if you need a check for an unusually large amount.
Can I request a cashier's check for someone else?
No. You must be the account holder or the person requesting the check. The teller will verify your identity with your government-issued ID before issuing the check. If someone else needs a cashier's check, they must visit the branch themselves.
What if the check is lost in the mail?
If you mail a cashier's check and it does not arrive, contact Chase immediately to place a stop payment on the original check. The bank will issue a replacement once they confirm the original check has not been cashed. You may be charged a stop-payment fee.
Do I need to be a Chase customer to cash a cashier's check from Chase?
No. Anyone can cash or deposit a Chase cashier's check at any bank or credit union. The recipient does not need to have a Chase account. The check is may provide by Chase, so any financial institution will accept it.