Chase's cashier's check fee is $10 per check

Chase charges $10 for each cashier's check you order, whether you order it in person at a branch or online through your account. This fee applies to all Chase checking and savings accounts. If you need multiple checks, you pay $10 for each one.

The fee is deducted from your account when you pick up or receive the check. Chase does not charge extra for rush delivery or special handling — the $10 flat rate covers the check itself and the processing.

Key Takeaways

  • Chase charges $10 per cashier's check, regardless of the check amount or how you order it.
  • You can order cashier's checks online through your Chase account or in person at any branch.
  • The fee is charged to your account immediately when the check is issued, not when it clears.
  • Other banks often charge between $5 and $15 per check, so Chase's rate is in the middle range.
  • Some Chase accounts waive fees for certain account holders, so check your specific account terms.

How to order a cashier's check from Chase

You can order a Chase cashier's check two ways: online through your account or at a branch. Online ordering is available through Chase's website or mobile app if your account is set up for it — log in, go to your checking account, and look for the option to order a cashier's check. You'll enter the amount, the payee name, and the date you need it. Chase typically processes online orders within one business day.

At a branch, you can walk in and request a cashier's check from a teller. Bring your ID and the information about who the check should be made out to. The teller will issue it on the spot, and you'll pay the $10 fee immediately. Branch service is faster if you need the check the same day.

When the $10 fee gets charged to your account

Chase deducts the $10 fee from your account when the cashier's check is issued, not when the recipient deposits or cashes it. If you order online, the fee comes out when Chase processes your order. If you order at a branch, it's charged when the teller hands you the check.

This matters because your account balance will drop by $10 plus the check amount right away. If you're ordering a $5,000 cashier's check, your account needs to have at least $5,010 available to cover both the check and the fee.

Comparing Chase's fee to other banks

Chase's $10 fee is typical but not the lowest. Bank of America charges $10 per check. Wells Fargo charges $8. Some credit unions and online banks charge $5 or less, while a few banks charge up to $15. If you order cashier's checks regularly, the difference adds up — ordering five checks at $5 each costs $25 total, while five at $10 each costs $50.

However, fee comparison should not be your only factor. Consider whether you already bank with Chase, how often you need cashier's checks, and whether your account type qualifies for fee waivers. If you have a premium Chase account, some fees may be waived.

Fee waivers for certain Chase accounts

Chase's premium checking accounts sometimes waive cashier's check fees. Chase Sapphire Checking, for example, waives certain fees for account holders who meet minimum balance or direct deposit requirements. Check your specific account agreement or call Chase customer service to confirm whether your account qualifies for a waiver.

If you don't have a premium account, the $10 fee applies every time. It's worth reviewing your account type if you order cashier's checks more than once or twice a year — switching to an account with fee waivers could save you money.

What happens if you need to cancel a cashier's check

If you order a cashier's check and then need to cancel it, Chase will not refund the $10 fee. You'll need to contact Chase to stop payment on the check, and they may charge an additional stop-payment fee (typically $30 to $35) on top of keeping the original $10 fee. This makes cancellation expensive, so only order a cashier's check when you're certain you'll use it.

If the check is lost or damaged before you use it, contact Chase immediately. They can issue a replacement, but you'll likely pay another $10 fee for the new check. Some banks waive the replacement fee if the original was their error, so ask.

Alternatives to cashier's checks

If the $10 fee feels high for your situation, consider whether you actually need a cashier's check. A regular personal check costs nothing and works for most everyday payments. A wire transfer moves money directly between accounts and is safer for large amounts, though banks typically charge $15 to $30 per wire. A money order from a grocery store or post office costs $1 to $5 and works for smaller amounts.

Cashier's checks are best when the recipient specifically requires one — for down payments, security deposits, or situations where they need may provide funds. For other payments, a cheaper method may work just as well.

Frequently Asked Questions

Can I order a cashier's check without going to a Chase branch?

Yes. Chase allows online ordering through your account if your checking account is set up for it. You can also call Chase customer service to request one by phone, though some branches may require you to pick it up in person. Check with your local branch or your account settings to confirm what methods are available.

Does Chase charge the $10 fee if the check never gets used?

Yes. The fee is charged when the check is issued, not when it's deposited. If you order a cashier's check and never use it, you've paid $10 for nothing. If you later want to cancel it, Chase charges an additional stop-payment fee, making the total cost $40 to $45.

What if I'm a Chase customer but bank at a different branch?

You can order a cashier's check at any Chase branch, even if it's not your home branch. The $10 fee is the same everywhere. If you order online, you can pick it up at any branch or have it mailed to you, depending on your account settings.

Is the $10 fee the same for all check amounts?

Yes. Whether you order a $100 cashier's check or a $10,000 one, Chase charges $10. The fee does not scale with the amount, so larger checks are proportionally cheaper in terms of fee percentage.

Can I get a refund if Chase made an error on the check?

If Chase issued a check with an error — wrong amount, wrong payee name, or printing problems — contact them immediately. They should issue a corrected check at no additional charge. If you've already paid the $10 fee and they're replacing it due to their mistake, ask for a fee waiver.