PNC offers cashier's checks at most branches, and you can order one in person or by phone for a flat fee

PNC Bank issues cashier's checks through its retail branches and some online banking options. The process is straightforward: you provide the payee name, amount, and your account information, and PNC draws the check against its own account rather than yours. This is why a cashier's check carries more weight than a personal check — the bank guarantees the funds.

You'll pay a fee for this service, typically between $10 and $15 per check, though the exact amount varies by branch and account type. Some PNC account holders with premium accounts may have a limited number of free cashier's checks included annually. The check itself is usually ready the same day if you order in person before closing time.

Key Takeaways

  • Visit a PNC branch in person with your ID and the payee name and amount, or call your local branch to order by phone.
  • PNC charges a fee per cashier's check, typically $10 to $15, though some premium accounts include a set number free each year.
  • Same-day issuance is common for in-person orders placed before the branch closes, but phone orders may take one business day.
  • You need a PNC account to request a cashier's check; the bank will debit the amount from your account when the check is issued.
  • Bring your ID and have the exact payee name and dollar amount ready to speed up the process.

Ordering a cashier's check in person at a PNC branch

Walk into any PNC branch with your ID and account information. Tell the teller you need a cashier's check and provide the payee name (the person or business the check is written to), the exact dollar amount, and any memo line information if needed. The teller will verify your account has sufficient funds and process the request.

The check is usually printed and ready within minutes. You'll sign it at the counter, and the teller will debit your account immediately. Ask for a receipt — it serves as proof the check was issued and shows the check number and amount. Keep this receipt until the check clears or is deposited.

Ordering by phone or through PNC's online banking

Call your local PNC branch directly during business hours and ask to order a cashier's check. Have your account number, ID, the payee name, and the amount ready. The teller will process it over the phone and arrange for you to pick it up at the branch, usually within one business day.

PNC's online banking platform does not allow you to order a cashier's check directly through the website. However, some account holders can request one through the mobile app or by messaging their branch through the secure portal. Check your account's options or call ahead to confirm what methods your branch supports.

What information you need to provide

PNC requires the exact legal name of the payee — the person or organization receiving the check. If the name is spelled wrong or incomplete, the payee may have trouble depositing it. Ask the recipient to confirm their name as it appears on their bank account or business registration.

You also need the exact dollar amount written out in both numbers and words. PNC will print both on the check. If you're unsure of the amount, ask the recipient or verify the invoice before you go to the branch. You cannot change the amount after the check is issued.

Provide any memo line information if relevant — for example, "Invoice #12345" or "Rent for March." This is optional but helpful for record-keeping. PNC will print it on the check if you request it.

Fees and account requirements

PNC charges a per-check fee that typically ranges from $10 to $15. The exact fee depends on your account type and your branch's pricing. Some PNC checking accounts marketed as premium or business accounts include a set number of free cashier's checks per month or year — often between two and five — with additional checks charged the standard fee.

You must have an active PNC account with sufficient funds to cover the check amount plus the fee. The bank will not issue a cashier's check to someone without an account. If you're a new customer or don't have an account yet, you'll need to open one first.

Timing and when your check is ready

In-person orders placed before your branch closes are usually ready the same day. Some branches can print a cashier's check within 10 to 15 minutes. Phone orders typically take one business day; the branch will call you when it's ready for pickup.

Do not assume the check is ready without confirmation. Call the branch or check your account activity to verify the check has been issued before you tell the payee to expect it. Once issued, the check is valid for six months in most states, though some states have different rules.

What to do if you need the check urgently

If you need a cashier's check the same day, visit a PNC branch in person during business hours. Branches typically close at 5 or 6 p.m. on weekdays and have limited hours on Saturday; Sunday hours vary by location. Call ahead to confirm your branch's hours and that they have staff available to process your request.

If your local branch is closed or you cannot reach it, find another PNC branch nearby using the bank's branch locator on its website. Any PNC branch can issue a cashier's check on your account, even if it's not your home branch.

Frequently Asked Questions

Can I get a cashier's check without going to the branch?

Not entirely. You must either visit in person or call your branch to order one. PNC does not mail cashier's checks or issue them through online banking alone. You'll need to pick it up at the branch or arrange for it to be mailed to you, which adds processing time.

What if I make a mistake on the payee name or amount?

Once PNC issues the check, you cannot change it. If the payee name or amount is wrong, you'll need to request a new check and pay the fee again. The original check can be voided, but you must return it to PNC. Always double-check the details before the teller prints the check.

How long is a cashier's check good for?

Most cashier's checks are valid for six months from the date of issue. After that, the payee may have difficulty depositing it, though some banks will still honor it. If your check expires, contact PNC to request a replacement.

Do I need the check number before I give it to someone?

Yes. The check number is printed on the check itself. Write it down or take a photo of the check before you hand it over. This helps you track it if there are questions later about whether it was received or deposited.

Can someone else pick up my cashier's check?

Policies vary by branch. Some PNC branches will release a cashier's check only to the account holder with ID. Others may release it to an authorized user on the account or a designated person if you call ahead and authorize it. Contact your branch directly to confirm their policy before you order.