Most banks issue cashier's checks, but not all branches carry them and some charge a fee
A cashier's check is a check drawn on the bank's own account, not yours, which is why it carries more weight than a personal check. The bank guarantees the funds are there. You can get one at most banks where you have an account, and many banks will issue one even if you don't—but the rules vary by institution and by branch. Some branches keep them in stock; others order them and make you wait. Fees range from free to $15 per check, depending on your account type and the bank.
The fastest way to find out what your bank offers is to call the branch directly or log into your online banking portal and search for "cashier's check." Don't assume all branches of the same bank work the same way. A large bank might issue them same-day at one location and require three business days at another.
Key Takeaways
- Most national and regional banks issue cashier's checks, but you need to contact your specific branch to confirm they have them in stock or can order them quickly.
- You will need a valid government ID, the exact amount of the check, and the payee name spelled correctly before you go to the bank.
- Fees for cashier's checks vary by bank and account type, ranging from free to $15 per check, so ask before you request one.
- If your bank doesn't issue cashier's checks or the wait is too long, credit unions and some check-cashing services offer them as an alternative.
What you need to bring to get a cashier's check
Bring a valid government-issued ID—a driver's license, passport, or state ID card. The teller will verify your identity before issuing the check. You also need to know the exact dollar amount and the full name of the person or business the check should be made out to. Misspelling a payee name can cause the check to be rejected, so spell it out loud with the teller and ask them to repeat it back.
If you have an account at the bank, bring your debit card or account number. If you don't have an account, some banks will still issue a cashier's check, but they may ask for additional information or charge a higher fee. Call ahead to confirm the bank's policy for non-customers.
How the bank withdraws the money from your account
When you request a cashier's check, the bank deducts the full amount from your account immediately—even though the check hasn't been cashed yet. This is different from a personal check, where the money stays in your account until the recipient deposits it. Make sure you have enough funds available before you go to the bank.
The bank holds the money in its own account until the check clears. Once the recipient deposits or cashes the check, the bank transfers the funds to them. If the check is never deposited, the bank will eventually return the money to you, but this can take weeks or months depending on the bank's policy.
Same-day vs. ordered cashier's checks
If the branch has cashier's checks in stock, you can usually walk out with one the same day. Call or visit in the morning to improve your chances of getting one same-day, especially on Fridays or near month-end when demand is higher. Some branches run out and have to order new stock.
If the branch doesn't have them in stock, they will order them from the bank's central printing facility. This typically takes three to five business days. A few banks offer rush printing for an extra fee, usually $5 to $10, which can cut the wait to one or two business days. Ask the teller what options are available and what the timeline is before you leave.
Fees and account requirements
Many banks issue cashier's checks free to customers with checking or savings accounts, especially if your account meets a minimum balance or has direct deposit set up. Others charge $5 to $10 per check regardless of account type. Premium or business accounts sometimes include cashier's checks at no cost.
Non-customers typically pay $10 to $15 per check. Some banks won't issue them to non-customers at all. If you're a non-customer, call ahead and ask about the fee and whether they'll issue one to you. If the fee is too high or the bank refuses, a credit union or check-cashing service may be cheaper.
Alternatives if your bank won't issue one
Credit unions often issue cashier's checks to members at no cost or for $1 to $5. If you belong to a credit union, that's usually your cheapest option. Some credit unions will issue them same-day; others require a day's notice.
Check-cashing services and some grocery store money centers issue cashier's checks, though fees are typically higher—$5 to $15 per check. They may also require you to cash a paycheck or have a government ID on file. Call ahead to confirm they offer cashier's checks and what the fee is.
If you need a cashier's check urgently and your bank can't help, a money order is a faster alternative, though it carries less weight in some situations. Money orders are available at post offices, grocery stores, and convenience stores, usually for $1 to $5, and you can get one immediately.
What to do if you lose or damage a cashier's check
If you lose a cashier's check before the recipient cashes it, contact the bank immediately. The bank can issue a replacement, but they will usually require you to sign an indemnity agreement—a legal document stating that you lost the check and won't try to cash it again if it shows up later. This protects the bank from paying twice.
The bank may also require you to wait a set period—often 30 to 90 days—before issuing a replacement, to give the original check time to surface. Some banks waive this waiting period if you pay a fee, usually $15 to $25. Ask the bank what their policy is and whether they can expedite a replacement.
Frequently Asked Questions
Can I get a cashier's check at a bank where I don't have an account?
Yes, most large banks will issue one to non-customers, but they may charge a higher fee ($10 to $15) and require additional ID or proof of funds. Some smaller banks or credit unions refuse to issue them to non-members. Call the branch first to confirm their policy.
How long does a cashier's check take to clear?
A cashier's check typically clears within one to three business days because the bank guarantees the funds. This is faster than a personal check, which can take five to ten business days. The exact timeline depends on the recipient's bank and when they deposit it.
What if I write down the wrong amount on a cashier's check request?
The teller will write the amount, not you. Tell the teller the exact dollar amount you need, and they will print it on the check. If you realize the amount is wrong before you leave the bank, ask the teller to void it and issue a new one. If you've already left, contact the bank and request a replacement.
Can I cancel a cashier's check after I've received it?
Yes, but only if the recipient hasn't cashed it yet. Return to the bank with the check and your ID, and ask them to void it and refund your money. The bank may charge a small fee ($5 to $10) for the cancellation. If the check has already been cashed, you cannot cancel it.
Is a cashier's check safer than a wire transfer?
Both are relatively safe, but they work differently. A cashier's check is a physical document that can be lost or stolen in the mail. A wire transfer is electronic and cannot be reversed once sent. For large amounts, ask the recipient which method they prefer and whether they'll accept a cashier's check sent by certified mail.