Chase's cashier's check fee and where to find it
Chase charges $10 per cashier's check if you order in person at a branch. If you order by phone or online, the fee is the same. You'll see this charge on your account statement as a service fee, usually within one to two business days of the order.
The fee applies whether you're a Chase checking account holder, savings account holder, or both. If you don't have a Chase account, you can still order a cashier's check, but you may face additional fees or be required to pay the full check amount upfront in cash or with a debit card.
Chase does not waive this fee for customers with premium accounts or high balances. Some banks offer fee waivers for certain account tiers, but Chase's standard policy charges all customers the same amount.
Key Takeaways
- Chase charges $10 per cashier's check whether you order at a branch, by phone, or online.
- The fee appears on your account statement as a service charge within one to two business days.
- Non-customers can order a cashier's check but may pay additional fees or be required to provide the full amount in cash upfront.
- Chase does not reduce or eliminate the fee based on account type or balance.
- Cashier's checks are typically ready the same business day if ordered before the branch closes.
How to order a cashier's check from Chase
You can order a cashier's check at any Chase branch during business hours. Bring a valid photo ID and have the recipient's name and the exact amount ready. The teller will prepare the check on the spot in most cases, though some branches may need a few hours if they're busy.
If you prefer not to visit a branch, you can call Chase customer service at the number on the back of your debit card or check. Phone orders typically take one to two business days. You can also order through Chase's mobile app or online banking portal if your account is set up for it, though availability varies by account type.
When you order, have the payee's full legal name spelled correctly. Any error means the check cannot be cashed and you'll need to order a replacement, which incurs another $10 fee. If the check is lost or stolen, you can request a stop payment and reorder, but you'll pay the fee again.
Comparing Chase's fee to other banks
Cashier's check fees vary widely. Some banks charge $5 to $8, while others charge $12 to $15. Credit unions often charge less—sometimes $3 to $5—if you're a member. A few banks offer one free cashier's check per month or waive the fee if you maintain a certain balance, but this is less common.
If you need multiple cashier's checks, the cost adds up quickly. Ordering five checks at Chase costs $50 in fees alone. Shopping around before you order can save money, especially if you have access to a credit union or a bank with lower fees.
Online banks and some regional banks may offer lower fees than Chase, but they may not have physical branches where you can pick up a check the same day. Factor in the time and convenience of your preferred ordering method when comparing total cost.
When you might need a cashier's check
Cashier's checks are used for large purchases where the seller wants may provide payment. Real estate closings, vehicle purchases, and down payments on homes often require them. Some landlords ask for a cashier's check as a security deposit because it proves funds are available and cannot bounce.
Court-ordered payments, tax payments, and insurance claims sometimes require cashier's checks as proof of payment. Certain government agencies and contractors will only accept them for large transactions. If you're unsure whether you need one, ask the recipient before you order—you may not need it at all, which saves you the $10 fee.
What happens if your cashier's check is lost or damaged
If a cashier's check is lost or stolen, contact Chase immediately. You'll need to file a stop payment request, which may have its own fee (typically $25 to $35 at Chase). After the stop payment is in place, you can order a replacement cashier's check for another $10.
If the check is damaged—torn, faded, or marked—most banks will not cash it. You'll need to return it to Chase and order a replacement. Keep your receipt or confirmation number until the payee confirms they've received and deposited the check.
Some banks offer indemnity bonds as an alternative to stop payment if the check cannot be located. This protects you if someone else tries to cash it later. Ask Chase about this option if your check goes missing and you want to avoid the stop payment fee.
Fees for related services at Chase
If you need a certified check instead of a cashier's check, Chase charges the same $10 fee. A certified check is drawn on your own account and certified by the bank, while a cashier's check is drawn on the bank's account. Both carry the same fee and serve similar purposes, though cashier's checks are more widely accepted for large transactions.
If you need a copy of a cancelled cashier's check for your records, Chase typically provides this for free if you request it within a reasonable timeframe. Requesting a copy years later may incur a research fee, usually $25 to $50.
Wire transfers are an alternative to cashier's checks for sending money, but they carry their own fees—typically $15 to $30 depending on whether the transfer is domestic or international. Choose based on what the recipient will accept and what fits your budget.
Frequently Asked Questions
Can I get a cashier's check without a Chase account?
Yes, but you'll likely pay more. Non-customers can order at a branch, but Chase may require you to pay the full check amount in cash or with a debit card upfront. Some branches charge an additional fee for non-customers. Call your local branch first to confirm their policy.
How long does it take to get a cashier's check from Chase?
If you order in person at a branch before it closes, you can usually pick it up the same day. Phone and online orders typically take one to two business days. Plan ahead if you have a deadline.
Can I cancel a cashier's check after I've ordered it?
Yes, but you'll lose the $10 fee. If the check hasn't been cashed, you can request a refund of the check amount, but Chase keeps the service fee. If the check has already been cashed, you cannot cancel it.
What if the cashier's check amount is wrong?
You cannot alter a cashier's check. If the amount is incorrect, you must return it uncashed and order a new one, paying another $10 fee. Double-check the amount before the teller completes the check.
Is there a limit to how many cashier's checks I can order?
Chase does not set a public limit on the number of cashier's checks you can order, but ordering many at once may trigger fraud review or require manager approval. If you need more than five or six, call ahead or ask at the branch.