Cashier's check fees typically range from $5 to $15 per check, though some banks charge nothing for customers with certain account types
The cost of a cashier's check depends on your bank and your relationship with them. Most banks charge between $5 and $15 for each check you order. Some banks waive the fee entirely if you maintain a checking account with them, have direct deposit set up, or meet a minimum balance requirement. A few banks charge nothing regardless of your account status. The only way to know what your bank charges is to call them or check their fee schedule online.
Credit unions often charge less than traditional banks — sometimes $2 to $5 per check, or free for members. If you don't have a bank account, you can still get a cashier's check from most banks and credit unions, but you'll pay a higher fee, usually $10 to $20, because they have no relationship with you to offset the cost.
Key Takeaways
- Bank customers typically pay $5 to $15 per cashier's check, while non-customers pay $10 to $20.
- Some banks waive fees for customers with direct deposit, minimum balances, or premium account tiers.
- Credit unions usually charge less than banks and may offer free cashier's checks to members.
- You can order cashier's checks in person, by phone, or online, depending on your bank's options.
- The check itself costs nothing to print; you're paying for the bank's may provide and processing time.
Why banks charge for cashier's checks
A cashier's check is a promise from the bank, not from you. The bank guarantees the funds are there and will clear, which means the bank takes on the risk if something goes wrong. That may provide has a cost — the bank has to verify your account has the money, hold those funds, print the check, and stand behind it if a dispute arises later. The fee covers that work and that risk.
Banks also charge because they can. A cashier's check is one of the few services people need occasionally but not regularly, so there's less price competition than there is for everyday checking accounts. You can't easily shop around once you need the check today.
How to find out what your bank charges
Call your bank's customer service line or visit a branch in person and ask for the cashier's check fee. If you're online, look for the bank's fee schedule or pricing page — most banks publish this information. The fee may be listed under "check services" or "special services."
If you don't have a bank account, call banks and credit unions in your area and ask what they charge non-customers. Credit unions in your area may have lower fees than banks, but you'll need to ask — membership rules vary, and some credit unions only serve people who work in a certain industry or live in a certain area.
When banks waive cashier's check fees
Many banks waive the fee if you have a checking account with them, especially if your account is in good standing. Some banks go further and waive fees only for customers who have direct deposit, maintain a minimum balance (often $500 to $2,500), or hold a premium account tier. A few banks, particularly online banks, charge no fee to anyone.
Ask your bank what conditions, if any, would waive the fee. If you're considering opening a new account, cashier's check fees are a small factor, but they're worth asking about alongside overdraft fees and monthly maintenance charges.
Ordering a cashier's check in person versus online
Most banks let you order a cashier's check in person at a branch, and you'll usually have it the same day. Some banks also let you order by phone or through their website, though online orders may take one to two business days. A few banks mail cashier's checks, which adds several days.
If you need the check today, go to a branch in person. Bring your ID and the amount of money you want the check for (the bank will deduct it from your account immediately). If you have time to wait, ordering online or by phone may be more convenient, and the fee is the same either way.
What happens if you lose a cashier's check
If you lose a cashier's check before you cash it, contact your bank immediately. The bank can put a stop on the check so it can't be cashed by someone else. You'll usually have to wait 90 days to make sure no one tries to cash it, then the bank will refund your money. Some banks charge a fee for this service (typically $15 to $30), though others waive it.
This is why it's important to treat a cashier's check like cash — once it's out of your hands, you have limited recourse. If you're mailing it, use certified mail with signature confirmation so you have proof of delivery.
Alternatives to cashier's checks
If the fee bothers you or you need the money to move quickly, consider other options. A wire transfer costs $15 to $30 but moves money in hours and doesn't require the recipient to go to a bank. A money order costs $1 to $5 and works similarly to a cashier's check but is issued by the post office or a retailer, not a bank. A personal check is free but offers no may provide, so many sellers won't accept it for large amounts.
For most situations where a cashier's check is required — buying a car, closing on a house, paying a contractor — a wire transfer is faster and often worth the extra cost. For smaller amounts or situations where speed doesn't matter, a money order is cheaper.
Frequently Asked Questions
Can I get a cashier's check without a bank account?
Yes. Most banks and credit unions will issue a cashier's check to anyone, but they charge a higher fee — usually $10 to $20 — because you have no account with them. You'll need to bring cash or a debit card and a valid ID.
How long does it take to get a cashier's check?
Same-day if you go to a branch in person. If you order by phone or online, expect one to two business days. Some banks that mail checks take longer, so ask when you order.
Is there a limit to how much a cashier's check can be for?
Most banks have no limit, but some cap cashier's checks at $100,000 or require approval for amounts over a certain threshold. Call your bank to ask about their policy if you need a very large check.
Do I need to tell my bank in advance that I want a cashier's check?
Not usually. You can walk into a branch and request one on the spot. If you're ordering by mail or need a very large amount, calling ahead gives the bank time to prepare.
What's the difference between a cashier's check and a certified check?
A cashier's check is issued by the bank and may provide by the bank. A certified check is your personal check that the bank has stamped to confirm the funds are there. Cashier's checks are more secure and are preferred by sellers, but certified checks cost less or nothing.