Chase cashier's check fees vary by account type, but most customers pay $10 per check

Chase charges $10 for a single cashier's check if you have a standard checking account. If you hold a Chase Premier Plus or Sapphire Banking account, cashier's checks are free. The fee applies each time you order one, so if you need five checks, you pay $50. Some branches may quote you a different price — call ahead or ask at the counter to confirm what your specific account qualifies for.

Personal checks that come in a box of 25 or 50 cost between $10 and $20 depending on the style and quantity you order. These are the checks you write yourself from your checkbook, not cashier's checks. Chase prints them through a third-party vendor and ships them to your address, usually within 7 to 10 business days. You can also reorder checks through your online banking portal or by calling customer service.

Key Takeaways

  • A single cashier's check costs $10 at Chase unless you have a premium account tier that waives the fee.
  • Personal checks printed in boxes of 25 or 50 cost $10 to $20 per box and take 7 to 10 business days to arrive by mail.
  • You can order checks online through your Chase account, by phone, or in person at a branch.
  • Some Chase accounts, including Premier Plus and Sapphire Banking, include free cashier's checks as part of their benefits.

When you need a cashier's check instead of a personal check

A cashier's check is drawn on Chase's own account, not yours, which makes it a may provide payment. The bank holds the money immediately when you request the check, so the recipient knows the funds are real. Personal checks can bounce if your account runs low, but a cashier's check cannot. This is why landlords, car dealers, and title companies often demand a cashier's check for large transactions.

Getting a cashier's check takes minutes if you visit a branch in person with your ID and the payment amount in your account. You tell the teller who to make it out to, they print it, and you walk out with it. If you order by phone or mail, it takes longer — usually 5 to 7 business days. Some branches can issue them same-day if you call ahead and confirm they have the staff available.

How to order checks through your Chase account

The fastest way to reorder personal checks is through Chase's online banking portal. Log in, go to the Checks section (usually under Account Services or Settings), select your checking account, and choose the style and quantity you want. You can pick standard designs or add your address and account number. Chase will show you the price before you confirm, and the checks ship to the address on file.

If you do not have online banking set up or prefer to speak to someone, call Chase customer service at the number on the back of your debit card. They can process the order over the phone and answer questions about delivery time and cost. You can also walk into any Chase branch and ask a teller to order checks for you — they will take your information and submit the request.

Cashier's checks ordered by mail or phone

If you need a cashier's check but cannot visit a branch, you can request one by phone. Call the customer service number on your debit card and tell them you need a cashier's check. They will take the payee name, amount, and mailing address. Chase will mail the check to you, which takes 5 to 7 business days. You still pay the $10 fee unless your account waives it.

This method is slower than going in person, so use it only if you have time. If you need a cashier's check urgently, visit a branch with your ID and the cash or funds in your account. The teller can issue it on the spot. Some branches are busier than others, so calling ahead to confirm wait times is worth doing.

Premium Chase accounts that waive check fees

Chase Premier Plus requires a $25,000 minimum balance and includes free cashier's checks, free wire transfers, and other perks. Chase Sapphire Banking requires a $500,000 combined balance across Chase accounts and also waives cashier's check fees. If you maintain these balances, the $10 per check adds up to real savings over time. You can review your account type in online banking or ask a banker at your branch.

If you do not currently may have access to for a premium account but order checks frequently, ask a banker whether upgrading makes sense for your situation. The minimum balance requirement might be worth it if you are paying $10 per cashier's check multiple times a month. Chase also offers other account types with different fee structures, so comparing them can reveal savings you did not know about.

What to do if you lose a cashier's check or it never arrives

If a cashier's check you ordered by mail never shows up, contact Chase within 30 days. They can issue a replacement or refund the fee. Bring your order confirmation number if you have it, or the date you placed the order. Chase will research whether the check was delivered and either reissue it or credit your account.

If you lose a cashier's check after receiving it, you cannot simply cancel it the way you can a personal check. The payee can cash it if they find it. Your only recourse is to ask the payee to sign it back to you or to request a replacement from Chase and ask the original payee to destroy the lost check. This is why cashier's checks should be treated like cash — keep them in a safe place until you hand them over.

Comparing Chase check costs to other banks

Most major banks charge between $8 and $15 for a single cashier's check. Bank of America charges $10, Wells Fargo charges $10, and smaller regional banks sometimes charge less. Personal checks typically cost $10 to $25 per box across the industry, depending on design and quantity. If you order checks frequently, the cost difference between banks is small enough that convenience usually matters more than price.

Some online banks and credit unions offer cheaper checks or waive the fee entirely, but they may not have physical branches if you need a cashier's check in person. Chase's $10 fee is standard, and the trade-off is access to thousands of branches nationwide. If you rarely need checks, the fee is a minor expense. If you need them often, a premium account or switching to a bank with lower fees might be worth exploring.

Frequently Asked Questions

Can I get a free cashier's check at Chase?

Yes, if you have a Chase Premier Plus or Sapphire Banking account. Both premium tiers waive the $10 cashier's check fee. Standard checking accounts are charged $10 per check. Ask your banker whether your current account qualifies for fee waivers.

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

In person at a branch: same day, usually within minutes. By mail or phone: 5 to 7 business days. If you need one urgently, visit a branch with your ID and the payment amount in your account.

Can I order a cashier's check online?

You cannot order a cashier's check through online banking the way you can personal checks. You must call customer service or visit a branch. Some branches offer same-day issuance if you call ahead to confirm availability.

What if I write a check but do not have enough money in my account?

The check will bounce, and you will face overdraft fees from Chase (typically $35 per overdraft) plus potential fees from the recipient's bank. A cashier's check avoids this problem because Chase guarantees the funds before issuing it.

Do I need to be a Chase customer to get a cashier's check?

Yes, you must have a Chase checking account and sufficient funds in it. Chase does not issue cashier's checks to non-customers. If you do not have an account, you can open one at any branch or online.