Chase offers cashier's checks at most branches, but you'll need to go in person with a valid ID and funds to cover the check amount plus a fee

Chase charges a fee for cashier's checks — typically $10 for personal accounts, though this varies by account type and branch location. You cannot order one online or by phone. You must visit a Chase branch during business hours with a government-issued ID, the recipient's name spelled correctly, and either cash or funds in your account to cover the full amount.

The process takes about 10 to 15 minutes if the branch is not busy. Chase will print the check immediately and you can use it the same day. If you need the check urgently, calling ahead to confirm your branch has stock and staff available can save a wasted trip.

Key Takeaways

  • Chase charges a fee (usually $10) for each cashier's check and requires you to visit a branch in person with a valid ID.
  • You must provide the exact name and spelling of the recipient, and have enough money in your account or bring cash to cover the full check amount.
  • The check is ready the same day, typically within 10 to 15 minutes, and you can use it immediately.
  • Chase branches have different hours and some locations may be closed on weekends or holidays, so confirm availability before you go.

What you need to bring to a Chase branch

Bring a government-issued photo ID — a driver's license, passport, or state ID card. Chase will not issue a cashier's check without it. You also need the recipient's full name, spelled exactly as they want it to appear on the check. If you are unsure of the spelling, ask the recipient or the organization before you go to the branch.

Have the amount ready. If you are paying from your Chase account, the funds must be available in your checking or savings account. If you are paying in cash, bring the exact amount or slightly more. Chase will not issue a check for more than the cash you hand over, and they will not make change in the form of a separate transaction.

Chase branch locations and hours

Not all Chase locations offer cashier's checks. Most full-service branches do, but some smaller branches or Chase-in-Walmart locations may not. Call ahead or use the Chase branch locator on their website to confirm the branch near you offers this service and check their hours.

Chase branches typically close by 5 or 6 p.m. on weekdays and may have limited hours on Saturday. Many are closed on Sunday. If you need a cashier's check outside normal business hours, you will have to wait until the next business day.

The fee and what it covers

Chase's standard fee for a personal cashier's check is $10, though some account types (like premium or wealth management accounts) may have different fees or may not be charged at all. Business accounts may have a different fee structure. The fee is deducted from your account or added to the cash amount you pay.

This fee covers the check itself, the teller's time, and the bank's processing. It does not include any fees the recipient's bank may charge to deposit or cash the check — those are separate and depend on the recipient's bank, not Chase.

How long a cashier's check takes to clear

Once the recipient deposits or cashes the check, it typically clears within one to two business days. This is faster than a personal check because the funds are may provide by Chase itself, not dependent on your account balance at the time of deposit.

The recipient's bank may hold the funds for a day or two even after it clears, depending on their policies and the amount. This is not Chase's delay — it is the receiving bank's standard hold period. If the recipient needs the money urgently, they should ask their bank whether they can access the funds before the hold lifts.

What to do if you need a cashier's check but cannot visit a branch

Chase does not mail cashier's checks or issue them remotely. If you cannot visit a branch in person, you have a few options. Some other banks offer cashier's checks by mail, though this takes longer. You can also use a money order from a grocery store, pharmacy, or post office — these work similarly to a cashier's check for most everyday transactions, though they have lower maximum amounts (usually $1,000 per money order).

If you need the check for a large transaction and cannot reach a Chase branch, contact the recipient or the organization receiving the payment. Some will accept a wire transfer, ACH transfer, or certified check instead. A certified check is similar to a cashier's check but comes from your own account and requires your signature — Chase can issue these at a branch as well.

Common reasons a Chase branch might refuse to issue a cashier's check

Chase will refuse if you do not have a valid ID, if the funds are not available in your account and you cannot pay in cash, or if the recipient's name is unclear or missing. They may also refuse if they suspect fraud — for example, if the amount is unusually large or the request seems inconsistent with your account history.

If your account is frozen, overdrawn, or flagged for suspicious activity, Chase will not issue a cashier's check until the issue is resolved. Contact your branch or Chase customer service to find out why your account is restricted and what steps you need to take.

Frequently Asked Questions

Can I order a cashier's check online or over the phone at Chase?

No. Chase requires you to visit a branch in person with a valid ID. You cannot order online, by phone, or through the Chase mobile app. Some other banks offer remote cashier's check services, but Chase does not.

How much does a cashier's check cost at Chase?

The standard fee is $10 for personal accounts. Premium or business accounts may have different fees. The fee is charged in addition to the check amount itself.

What if the recipient's bank refuses to cash or deposit the check?

This is rare, but if it happens, contact Chase with the check number and the reason the recipient's bank gave. Chase can investigate and may reissue the check or refund the fee. Keep your receipt from the branch.

Can I get a cashier's check for more than $10,000?

Yes, but Chase may ask questions about the purpose and source of the funds. Large cashier's checks trigger reporting requirements under federal law. Be prepared to explain the transaction and provide documentation if asked.

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

The check is usually ready within 10 to 15 minutes. You can use it the same day. Once the recipient deposits it, it typically clears within one to two business days.