Chase offers cashier's checks at most branches, but you'll need to go in person with cash or a debit card and a valid ID

Chase Bank issues cashier's checks through its branch locations. You cannot order one online or by phone — you must visit a branch in person. Bring the amount you need in cash or be prepared to pay from a debit card, your Chase account, or another bank account. You'll also need a government-issued photo ID. The teller will verify the funds, print the check, and you'll walk out with it the same day.

The cost varies by branch and account type. Chase typically charges $10 to $15 per cashier's check for non-customers and account holders, though some branches waive the fee for customers with certain account packages. Call your local Chase branch before you go to confirm the current fee and whether your account qualifies for a waiver.

Key Takeaways

  • You must visit a Chase branch in person with cash, a debit card, or access to a linked bank account to request a cashier's check.
  • Chase charges $10 to $15 per check, though the fee may be waived if you hold certain account types.
  • Bring a government-issued photo ID and know the exact amount and payee name before you arrive.
  • The check is ready the same day, but some branches may require a short wait if they need to verify large amounts.

What to bring to the Chase branch

Bring your government-issued photo ID — a driver's license, passport, or state ID card. Chase will not issue a cashier's check without it. If you're paying with cash, bring the full amount plus the fee. If you're paying from a Chase account, bring your debit card or account number. If you're paying from another bank, bring a debit card from that bank.

Know the payee name and the exact amount before you arrive. The payee is the person or business the check is written to — you cannot leave it blank or change it later. Write down both pieces of information so you don't have to guess at the teller's window.

How long it takes and when you'll have the check

Chase issues most cashier's checks on the spot. You'll hand over your information and payment, the teller will print the check, and you'll leave with it in hand. The entire process usually takes 5 to 15 minutes, depending on how busy the branch is.

For very large amounts — typically $10,000 or more — some branches may ask you to wait while they verify the funds or comply with banking regulations. Call ahead if you're requesting a check for a large sum so the branch can prepare. You'll still get it the same day in most cases, but the wait may be longer.

Chase cashier's check fees and account discounts

Chase charges $10 to $15 per cashier's check at most branches. The exact fee depends on your location and account type. If you hold a Chase checking or savings account, some account packages waive the fee entirely. Premium accounts like Chase Sapphire or certain business accounts often include cashier's checks at no cost.

Non-customers pay the full fee. If you don't have a Chase account, expect to pay $10 to $15. Call your branch to confirm the fee before you go, since it can vary slightly between locations.

Alternatives if your local Chase branch is closed

If your nearest Chase branch has limited hours or is closed when you need a cashier's check, you have a few options. You can visit a different Chase branch — any branch can issue a check for you, even if you don't bank there. Use the Chase branch locator on their website to find one that's open.

If no Chase branch is convenient, consider getting a cashier's check from your own bank instead. Most banks issue them the same way and charge similar fees. Credit unions often charge less — typically $5 to $10 — if you're a member. For time-sensitive situations, some banks offer cashier's checks at drive-through windows or during extended hours.

What happens after you receive the check

A Chase cashier's check is a bank check, not a personal check, so the recipient can deposit or cash it immediately. The funds are may provide by Chase, which means the recipient doesn't have to wait for the check to clear — most banks will process it the same day or next business day.

Keep your receipt until the check clears. If the check is lost or stolen before the recipient deposits it, you can contact Chase to request a replacement or a stop payment. You may need to sign an indemnity bond, which protects Chase if the original check surfaces later. This process can take several weeks, so treat the check carefully once you have it.

Frequently Asked Questions

Can I get a Chase cashier's check without a Chase account?

Yes. Non-customers can request a cashier's check at any Chase branch by paying with cash or a debit card from another bank. You'll pay the full fee, typically $10 to $15, and will need a government-issued photo ID.

What if I need the check urgently and the branch is about to close?

Call the branch directly and let them know you're coming. If you arrive before closing time, they'll issue the check. Some Chase locations have extended hours or Saturday service — check the branch locator to find one near you that's still open.

Can I request a cashier's check over the phone or online?

No. Chase requires you to visit a branch in person. You cannot order a cashier's check by phone, online, or through mobile banking. This is a security measure to verify your identity and the funds.

What if the check is lost after I receive it?

Contact Chase immediately with your receipt. You can request a replacement or a stop payment on the original check. Chase may require you to sign an indemnity bond, which can take several weeks to process. Until then, the original check could still be cashed if someone finds it.

Do I need to have the money in my Chase account before I request the check?

If you're paying from a Chase account, yes — the funds must be available. If you're paying with cash or a debit card from another bank, you don't need a Chase account at all.