Chase offers cashier's checks at all branch locations during business hours

You can walk into any Chase branch and request a cashier's check. A teller will prepare it for you on the spot, usually within a few minutes. You'll need to bring a valid ID, the exact amount you want the check for, and the name of the person or business it should be made out to. Chase charges a fee for this service — typically $10, though the amount can vary by branch and account type.

Chase also allows you to order cashier's checks online through your account if you're a customer with online banking access. The process is faster than going to a branch, but you'll need to wait for the check to arrive by mail, which usually takes three to five business days. This option works well if you're not in a hurry or don't have a convenient branch nearby.

Key Takeaways

  • Chase cashier's checks cost around $10 per check, though this may vary by location and account type.
  • You can get one immediately at a branch with your ID, the payee name, and the exact amount.
  • Online ordering takes three to five business days for delivery but doesn't require a trip to the bank.
  • The recipient can deposit a Chase cashier's check at any bank, and it clears faster than a personal check.
  • Chase requires you to have funds available in your account to cover the check amount at the time of request.

What you need to bring to a Chase branch

Bring a government-issued photo ID — a driver's license, passport, or state ID card. The teller will verify your identity before issuing the check. You'll also need to know the exact dollar amount and the full name of the person or business the check should be made payable to. If you're unsure of the exact spelling of the payee's name, ask them before you go to the bank.

You must have the funds available in your Chase account. The bank will deduct the check amount plus the fee from your account immediately, even though the recipient won't cash it right away. If you don't have enough money in your account, the teller will tell you and won't issue the check.

Ordering a cashier's check online through Chase

Log into your Chase online banking account and look for the option to order checks or cashier's checks. The exact location varies depending on whether you're using the mobile app or the website, but it's usually under account services or payments. You'll enter the payee name, the amount, and your delivery address.

Chase will mail the check to the address on file with your account. Delivery typically takes three to five business days. The fee is the same as in-branch — around $10 — and will be deducted from your account when you place the order. This method works if you want to avoid a trip to the branch, but it's not an option if you need the check the same day.

When a Chase cashier's check makes sense

Use a cashier's check when the recipient needs may provide payment and won't accept a personal check. Common situations include large purchases like a car or down payment on a home, paying a contractor or service provider who requires it, or sending money to someone you don't have an ongoing relationship with. Because the bank guarantees the funds, the recipient knows the money is real.

A cashier's check also clears faster than a personal check — usually within one or two business days instead of three to five. This matters if the recipient needs the money quickly or if you're making a time-sensitive payment. The downside is the fee and the fact that you lose access to the money as soon as you request the check, since the bank deducts it from your account right away.

Alternatives to a Chase cashier's check

A money order is cheaper — usually $1 to $5 — and works for smaller amounts. You can buy one at Chase, the post office, or many grocery stores. The downside is that money orders have limits, typically $500 to $1,000 per order, so they don't work for large payments.

A wire transfer moves money directly from your bank account to someone else's, and it's nearly instant. Chase charges $15 to $30 for a domestic wire, depending on whether you do it online or at a branch. This works well if the recipient has a bank account and you have their routing and account numbers, but it's not an option if you need a physical check.

ACH transfers are free or low-cost and take one to three business days. They work if the recipient has a bank account and you have their account details. However, they're not may provide the way a cashier's check is, so they don't work if the recipient specifically needs a may provide payment.

What happens after you get the check

Once you have the cashier's check, treat it like cash — it's as good as money to the recipient. You can mail it, hand it to someone in person, or give it to a contractor or service provider. The recipient deposits it at their bank, and it clears within one or two business days. After that, the money is in their account and the transaction is complete.

Keep your receipt from Chase showing the check number, amount, and date. If the check is lost or stolen before the recipient cashes it, you'll need this receipt to request a replacement. Chase can issue a new check, but the process takes time and may require you to sign an affidavit stating the original check was lost.

Frequently Asked Questions

Can I cancel a Chase cashier's check after I've gotten it?

Yes, but only if the recipient hasn't cashed it yet. Contact Chase with your receipt and the check number. The bank will put a stop on it and issue a replacement if you need one. If the check has already been cashed, you can't cancel it — the money is gone.

How much does a Chase cashier's check cost?

Chase typically charges around $10 per cashier's check, though the fee may vary by branch, account type, or region. Some premium accounts may have lower fees or get them free. Call your local branch or check your account details online to confirm the exact fee.

Can I get a cashier's check for someone else?

Yes, as long as you have the funds in your account. The check will be drawn on your account, but it will be made payable to whoever you specify. You'll need to bring your ID and the payee's name to the branch.

What if I don't have a Chase account?

You can still get a cashier's check from Chase, but you'll need to bring cash or a debit card to pay for it. Go to any Chase branch with your ID, the payee name, and the amount. The teller will process it the same way, though you may pay a slightly higher fee for non-customers.

How long does a Chase cashier's check take to clear?

Most banks clear a Chase cashier's check within one or two business days. Because it's may provide by the bank, it's treated as a safer payment than a personal check and clears faster. The exact timing depends on the recipient's bank, not Chase.