Banks and credit unions are your main sources for cashier's checks

You can get a cashier's check from any bank or credit union where you have an account. Most will issue one the same day you request it, though some branches may need a few hours to prepare it. You do not need to be a customer — some banks will issue a cashier's check to non-account holders, though they may charge a higher fee or require you to open an account first.

Call ahead before you go. Not every branch keeps cashier's checks in stock, and some smaller branches may need to order one from a central location. A five-minute phone call can save you a wasted trip.

Key Takeaways

  • Your own bank or credit union is the fastest and cheapest place to get a cashier's check, usually issued the same day for $10 to $15.
  • You will need to provide the exact payee name, the amount, and the recipient's address — any error means the check cannot be used.
  • Some banks charge extra to issue a cashier's check to a non-account holder, or may refuse to do so entirely.
  • If your bank is closed or you need a check outside business hours, some credit unions and online banks offer limited weekend or evening service.

What you need to bring or provide

Have the payee name spelled exactly as it should appear on the check. This is the person or business the check is written to. If you get the name wrong, the check cannot be deposited or cashed by anyone else — not even the bank can fix it after it is issued.

You will also need the amount in dollars and cents, and the recipient's mailing address. Some banks ask for this in writing on a form; others take it over the phone or through their app. Bring your ID and your debit card or account number to prove you are the account holder.

Fees and how long it takes

Banks typically charge $10 to $15 per cashier's check. Credit unions often charge less, sometimes $5 to $10, and some waive the fee for members. Online banks may charge nothing if you request the check through their app or website, though you may have to wait for it to arrive by mail.

Same-day issuance is standard at most branches during business hours. If you request a check after 2 p.m. or on a Friday, expect it Monday. Some banks can print one in 15 minutes; others take a few hours. Ask when you call.

Non-customers and banks that refuse

If you do not have an account at a bank, you have fewer options. Large national banks like Bank of America, Chase, and Wells Fargo will sometimes issue a cashier's check to a non-customer for a higher fee — often $20 to $25 — or they may refuse entirely. Call first.

Credit unions are often more flexible. If you do not belong to one, you may be able to join a community credit union based on where you live or work. Membership is usually free or costs $25 to $50 one time, and then you can get cashier's checks at member rates.

Online banks and weekend options

Online banks like Ally, Charles Schwab, and Discover offer cashier's checks, but the process is slower. You typically request one through your app or website, and it arrives by mail in three to five business days. This works if you have time, but not if you need the check today.

Some credit unions and a few brick-and-mortar banks offer Saturday hours or limited evening service. Check your local branches' websites or call to see if any near you can issue a check outside standard weekday hours.

What to do if your bank is closed or you are traveling

If you need a cashier's check and your bank is not available, walk into any other branch of the same bank. Most large banks let you request a cashier's check at any location, even if you opened your account elsewhere. Bring your ID and account information.

If you are traveling or far from your bank, call the customer service number on the back of your debit card. Some banks can mail a cashier's check to you or to the payee directly, though this adds several days. A few will wire funds instead if the recipient has a bank account, which is faster and does not require a physical check.

Alternatives if you cannot get a cashier's check

A money order is similar to a cashier's check but smaller — most cap out at $1,000. You can buy one at the post office, Walmart, grocery stores, and check-cashing services. Fees are usually $1 to $5, and they are issued immediately. The downside is that many people and businesses do not accept money orders for large transactions.

A certified check is another option. Your bank stamps a personal check from your account as "certified," guaranteeing the funds are there. It costs $5 to $15 and takes a few hours. The recipient sees your name on it, which some people prefer, but it is less secure than a cashier's check because it comes from your account.

A wire transfer moves money directly from your bank account to the recipient's bank account. There is no physical check, no delay, and no risk of loss. Wire fees run $15 to $30, and the transfer usually clears within one business day. This is the fastest option if the recipient has a bank account.

Frequently Asked Questions

Can I get a cashier's check if I do not have enough money in my account?

No. The bank verifies your balance before issuing the check. You must have the full amount available in your account at the time you request it. If you do not, the bank will refuse to issue the check.

What if I lose the cashier's check before I can deposit it?

Contact your bank immediately. They can issue a replacement, but you may have to wait 30 to 90 days and sign an affidavit stating the check was lost. Some banks charge a fee for this. Keep cashier's checks in a safe place until they are deposited.

Can the payee be changed after the check is issued?

No. A cashier's check is made out to a specific person or business, and that cannot be changed. If you need to change the payee, you must get a new check issued. This is why getting the name exactly right before you request it matters.

How long is a cashier's check good for?

Most cashier's checks do not expire, but some banks put an expiration date on them — usually six months to a year. Check the check itself or ask the bank when you pick it up. If it expires, the bank can issue a replacement.

Do I need to endorse a cashier's check when I receive it?

Yes, if you are depositing it into your own account. Sign the back of the check. If you are giving it to someone else, they will sign it when they deposit it. Do not sign it until you are ready to deposit or hand it over.