Where to find a cashier's check near you
You can get a cashier's check at any bank or credit union where you have an account. Walk into a branch during business hours, bring your ID and the funds to cover the check amount plus any fee, and a teller will issue one on the spot — usually within minutes. If you don't have an account at a bank, some check-cashing services and money transmitters also issue cashier's checks, though fees tend to be higher and hours more limited.
The fastest way to find branches near you is to search "[Your Bank Name] near me" or use your bank's mobile app, which typically shows locations, hours, and whether you need an appointment. Many banks now allow you to order a cashier's check online or by phone and pick it up at a branch the same day, which saves a trip if you're in a hurry.
Key Takeaways
- Your own bank or credit union is the cheapest and fastest source for a cashier's check, with fees typically between $5 and $15.
- You need to be present with a valid ID and have the funds available in your account at the time you request the check.
- Most banks issue cashier's checks within minutes during regular business hours, though some branches may require an appointment.
- If you don't have a bank account, check-cashing services and money transmitters can issue them, but expect to pay $15 to $30 or more.
What to bring and how long it takes
Bring a government-issued photo ID (driver's license, passport, or state ID card) and enough money in your account to cover both the check amount and the fee. The teller will verify your account, deduct the funds, and hand you the check — the whole process usually takes 5 to 10 minutes. Some banks may ask for the recipient's name or the reason for the check, though this is not always required.
If you're ordering by phone or online, the bank will typically hold the funds immediately and let you pick up the check at a branch within the same business day. A few banks offer next-business-day delivery by mail if you can't visit in person, though this costs extra and defeats the purpose if you need the check urgently.
Fees and what they cover
Banks charge between $5 and $15 per cashier's check if you have an account with them. Credit unions often charge less or nothing at all for members. If you use a check-cashing service or money transmitter instead of a bank, expect to pay $15 to $30 or more, depending on the check amount and the business's pricing.
The fee is a one-time charge per check. If you need multiple checks, you'll pay the fee for each one. Some banks waive the fee for certain account types (like premium checking or business accounts), so it's worth asking your teller or checking your account agreement.
Banks versus credit unions versus other sources
Your bank is almost always the best choice if you have an account there. The fee is lowest, the process is straightforward, and you can usually get the check the same day. Credit unions typically charge even less and may have longer hours or more flexible policies. Both have the advantage of being familiar with you and your account.
Check-cashing services, payday lenders, and money transmitters (like Western Union or MoneyGram locations) can issue cashier's checks, but they charge more and may require additional documentation or proof of funds. These are useful only if you don't have a bank account or your bank is closed when you need the check. Some grocery stores and pharmacies offer check-cashing services at their customer service desk, though not all issue cashier's checks — call ahead to confirm.
What to do if your bank is closed
If you need a cashier's check outside regular business hours, your options are limited. Some banks offer 24-hour online ordering with same-day pickup at an ATM or branch, but this is rare. Your best bet is to call your bank's customer service line during business hours the day before you need the check and ask if they can hold one for you to pick up early the next morning or at a different branch with extended hours.
If your bank truly cannot help, a check-cashing service or money transmitter may be open late or on weekends. Expect to pay significantly more and bring multiple forms of ID and proof of funds. Some of these services may also require you to have a bank account or credit card on file, so call first to confirm what they need.
Online and mobile options
Many banks now let you order a cashier's check through their mobile app or website. You enter the amount, the recipient's name, and your delivery preference, and the bank deducts the funds from your account immediately. You can usually pick up the check at any branch within hours, or have it mailed to you in a few business days.
Some online-only banks (like Charles Schwab Bank or Ally Bank) issue cashier's checks, but you typically have to request one by phone or through their app and then pick it up at a partner branch or have it mailed. This is slower than visiting a local branch in person, so it's best used when you have a few days to spare or when you're ordering from home and don't mind waiting.
What happens after you get the check
Once you have the cashier's check in hand, treat it like cash — it's as good as money to the recipient. The check is drawn on the bank's account, not yours, so the recipient doesn't have to worry about whether you have funds. The recipient can deposit it at their bank or cash it at a check-cashing service. Most banks clear cashier's checks within one business day.
Keep the receipt the teller gives you. If the check is lost or stolen, you'll need the receipt and the check number to request a replacement or stop payment. Some banks charge a fee to issue a replacement, so don't lose track of the check once you have it.
Frequently Asked Questions
Can I get a cashier's check without a bank account?
Yes, but you'll pay more and the process is slower. Check-cashing services, money transmitters, and some grocery stores can issue them. You'll need a government ID, proof of funds (like a bank statement or pay stub), and cash or a debit card to pay the amount plus the fee.
How much does a cashier's check cost?
Banks typically charge $5 to $15 per check if you have an account. Credit unions often charge less or nothing. Check-cashing services and money transmitters charge $15 to $30 or more. Some banks waive the fee for premium account holders.
Can I order a cashier's check online and pick it up the same day?
Many banks offer this through their mobile app or website. You order online, the bank holds the funds, and you pick up the check at a branch the same day or within a few hours. Call your bank to confirm they offer this service and what their pickup windows are.
What if I lose the cashier's check?
Contact your bank immediately with the check number and amount. You'll need to request a replacement or stop payment. Some banks charge a fee for this service. Keep the receipt the teller gave you — you'll need it to prove you purchased the check.
How long does it take for a cashier's check to clear?
Most banks clear cashier's checks within one business day because they're drawn on the bank's own account, not a personal checking account. The recipient can usually use the funds the next day, though some banks hold them for two business days as a precaution.