Chase offers cashier's checks at all branch locations, ordered in person or by phone
You can get a cashier's check from Chase at any of their branch banks. Walk in with your account information and the amount you need, or call your local branch ahead of time to place an order. Chase typically charges a fee for this service — the amount varies by state and account type, but generally runs between $10 and $15 per check.
The check itself is drawn on Chase's account, not yours, which is why the recipient trusts it more than a personal check. Chase guarantees the funds are there because they've already taken the money from your account before issuing the check.
Key Takeaways
- You must visit a Chase branch in person or call your local branch to order a cashier's check; you cannot order one online.
- Chase charges a fee per check, typically between $10 and $15, though the exact amount depends on your state and account type.
- The bank will deduct the full check amount plus the fee from your account immediately, so you need sufficient funds available.
- Most Chase branches can issue a cashier's check the same day if you arrive during business hours, though some may require advance notice for larger amounts.
What you need to bring to a Chase branch
Bring a valid photo ID and your Chase debit card or account number. You'll also need to know the exact amount of the check and the name of the person or business it should be made out to. If you're ordering by phone, have this same information ready when you call.
If you don't have a Chase account, you cannot order a cashier's check from them. You would need to use a different bank or credit union where you hold an account.
How the fee structure works
Chase's cashier's check fee is not a flat rate across all states. Some states cap what banks can charge, while others allow banks to set their own rates. Your specific account type also matters — some premium checking accounts may have reduced or waived fees for cashier's checks.
The fee is deducted from your account at the time the check is issued, along with the full check amount. So if you order a $5,000 check and the fee is $12, Chase withdraws $5,012 from your account. Make sure you have that total available before you go in.
Timing and same-day availability
Most Chase branches issue cashier's checks on the same day you request them, as long as you arrive during business hours and have sufficient funds. However, if you're ordering a very large amount, the branch may ask you to come back the next day or may require you to call ahead so they can prepare it.
If you call your branch in advance, they can have the check ready when you arrive, which speeds up the process. This is especially useful if you're ordering multiple checks or a large amount.
When the check is ready to use
Once Chase issues the check, it's ready to give to the recipient immediately. The recipient can deposit or cash it right away — there's no waiting period. The check is valid for six months from the date it's issued, though most people use it within days.
Keep your receipt from the transaction. If the check is lost or stolen before the recipient cashes it, you'll need proof of purchase to request a replacement or stop payment.
Alternatives if you can't visit a branch
Chase does not allow online ordering of cashier's checks, and they cannot be mailed to you. If you cannot visit a branch in person, you have a few options: ask someone you trust to pick one up on your behalf with a power of attorney, use a different bank that offers remote ordering, or explore wire transfers if the recipient can accept that method instead.
Some credit unions and smaller banks do offer cashier's checks by mail or through remote ordering, so if you have an account elsewhere, that may be faster than trying to get to a Chase branch.
Stopping payment on a cashier's check
If you need to cancel a cashier's check after it's been issued, contact your Chase branch immediately. You'll need your receipt and the check number. Chase can place a stop payment on the check, though they may charge an additional fee for this service.
Stop payment is only effective if the check hasn't already been cashed or deposited. Once the recipient has cashed it, the transaction is complete and cannot be reversed. This is why it's important to only issue a cashier's check when you're certain about the transaction.
Frequently Asked Questions
Can I order a Chase cashier's check without going to the bank?
No. Chase requires you to order cashier's checks in person at a branch or by calling your local branch to arrange pickup. You cannot order online or by mail. If visiting a branch is not possible, you may need to use a different financial institution or ask someone with power of attorney to order on your behalf.
How long does a cashier's check take to clear?
A cashier's check typically clears within one business day because it's drawn on the bank's own account, not a personal account. The recipient's bank may hold it for a day or two as a precaution, but it's considered safer and faster than a personal check.
What if I lose the cashier's check before giving it to the recipient?
Contact your Chase branch right away with your receipt and check number. You can request a replacement check or place a stop payment. Chase will likely charge a fee for this service. If the check has already been cashed by someone else, you may have limited recourse, which is why it's important to keep the check secure until you hand it over.
Does Chase charge the same fee for all cashier's checks?
The fee varies by state and account type. Some states regulate how much banks can charge, while others don't. Premium Chase accounts may have reduced or waived fees. Call your local branch to confirm the exact fee before you go in.
Can I get a cashier's check for an amount larger than my account balance?
No. Chase will only issue a cashier's check if you have sufficient funds in your account to cover both the check amount and the fee. If you don't have enough, you'll need to deposit money first or use a different payment method.