Where to get a cashier's check

You can get a cashier's check from any bank or credit union where you have an account. Walk into a branch during business hours, go to the teller window, and ask for one. Some banks also issue them through their online banking portal or by phone, though you'll typically need to pick it up in person or have it mailed to you. A few banks will mail a cashier's check directly to a third party (like a seller or landlord) if you request it.

If you don't have a bank account, you can still get a cashier's check from most banks—you'll just pay a higher fee and may need to bring cash or a personal check to cover the amount. Some banks require you to be a customer; others will issue one to anyone. Call ahead to confirm their policy before you go.

Key Takeaways

  • Bring a valid ID, the exact amount you need, and the name of the person or business the check should be made out to.
  • Cashier's checks typically cost between $5 and $15 per check, though fees vary by bank and account type.
  • Most banks issue cashier's checks on the spot during business hours, but some may take one business day if you order by phone or online.
  • You can request the check be mailed directly to a third party, which is useful for real estate closings or large purchases.

What you need to bring

Bring a valid government-issued ID—a driver's license, passport, or state ID card. The teller will verify your identity before issuing the check. You'll also need to know the exact dollar amount and the name of the payee (the person or business the check is made out to). Write this information down or have it ready on your phone so you don't make a mistake at the window.

You'll need to have the funds in your account or bring cash to cover the amount plus the fee. If you're paying with a personal check, some banks will accept it, but call first—policies differ. For large amounts, the bank may ask where the money is coming from as part of anti-money-laundering procedures; this is routine and not a sign of suspicion.

The cost and how long it takes

Cashier's check fees range from $5 to $15 per check at most banks. Some banks waive the fee for customers with premium accounts or those who maintain a minimum balance. Credit unions often charge less than banks. Call your bank or check their website to find out the exact fee before you go.

If you walk into a branch during business hours, you'll usually get the check the same day—often within 15 minutes. If you order by phone or online, the bank may issue it the next business day. If you need it mailed to you or to a third party, allow 3 to 5 business days for delivery. For time-sensitive transactions like a real estate closing, pick it up in person or arrange for it to be delivered to the closing agent's office.

Requesting the check be sent to someone else

You can ask the bank to make the cashier's check payable to a third party and mail it directly to them. This is common in real estate transactions—the buyer requests a check made out to the seller and sent to the title company or closing attorney. Tell the teller the payee's name and the mailing address, and confirm the bank will send it before the closing date.

Some banks charge an extra fee for mailing, and some require the third party's address to be verified. Ask about these details when you request the check. If the closing is happening soon, picking up the check yourself and hand-delivering it is faster and more reliable than relying on mail.

What to do if your bank won't issue one

If your bank is closed or you need a cashier's check outside business hours, try a different bank where you have an account. If you don't have an account anywhere, visit a bank that issues cashier's checks to non-customers. Most large national banks will do this, though they'll charge a higher fee—sometimes $20 or more.

Another option is a money order from a post office, grocery store, or convenience store. Money orders are not the same as cashier's checks—they're not may provide by a bank and have lower maximum amounts (usually $500 to $1,000)—but they work for smaller transactions and are faster to obtain. For very large amounts or situations where a cashier's check is specifically required, you may need to open a temporary account at a bank, which usually takes 10 to 15 minutes.

Protecting yourself after you get it

A cashier's check is as good as cash once it's issued. If you lose it or it's stolen, the bank can issue a replacement, but the process takes time—usually 30 to 90 days—because the bank has to wait to make sure the original check doesn't get cashed. During that waiting period, your money is tied up.

To protect yourself, keep the check in a safe place until you hand it over. Don't sign the back of it until you're ready to deposit or deliver it. If you're mailing it, use a tracked delivery method so you know it arrived. For high-value transactions, have the seller or closing agent confirm receipt before you leave the bank.

Frequently Asked Questions

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

Yes, most banks will issue a cashier's check to non-customers, but you'll pay a higher fee and may need to bring cash to cover the amount. Call your nearest bank branch to confirm they offer this service and what their fee is.

What's the difference between a cashier's check and a certified check?

A cashier's check is issued and may provide by the bank itself. A certified check is your personal check that the bank stamps to confirm the funds are there. Cashier's checks are safer for the recipient because the bank is responsible for payment, not you.

How long does a cashier's check take to clear?

Cashier's checks typically clear within one business day because they're backed by the bank's own account. Some banks clear them the same day. Personal checks can take 3 to 5 business days, which is why cashier's checks are preferred for large transactions.

Can I cancel a cashier's check after I get it?

Yes, but it's complicated. You'll need to contact the bank and request a stop payment, which may take several days and costs a fee. The bank will only issue a replacement after confirming the original check hasn't been cashed, which can take 30 to 90 days. Avoid this by being certain of the amount and payee before you request the check.

Do I need to bring the exact amount in cash?

No. If you have a bank account, the funds come from your account balance. If you don't have an account, you can pay with cash, a personal check, or a debit card, depending on what the bank accepts. Ask when you call or arrive at the branch.