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. Walk into a branch, tell the teller you need one, and they will prepare it on the spot — usually within a few minutes. Some banks also offer them through their website or mobile app if you are an existing customer, though you may still need to pick it up in person or have it mailed to you.

If you do not have an account at a bank or credit union, you have fewer options. Some institutions will issue a cashier's check to non-customers, but they may charge a higher fee or require you to bring cash to fund it immediately. Call ahead to ask whether they will do this and what their requirements are.

Key Takeaways

  • Your own bank or credit union is the fastest and cheapest way to get a cashier's check, usually taking just a few minutes.
  • You will need to bring a valid ID and have the funds available in your account or in cash to cover the check amount plus the fee.
  • Fees typically range from $5 to $15 per check, though some banks waive them for certain account types.
  • If you need a cashier's check urgently, call your bank first to confirm they have staff available and can issue one the same day.

What you need to bring to get a cashier's check

Bring a valid photo ID — a driver's license, passport, or state ID card will work. You will also need to know the exact amount of the check and the name of the person or business it should be made out to. Write this information down before you go, because the teller will ask for it and you want to get it right.

Have the funds in your account or bring cash to cover both the check amount and the fee. Most banks deduct the fee from your account at the time they issue the check. If you are paying in cash, bring slightly more than the total so you can cover the fee as well.

Fees and how long it takes

Cashier's check fees vary by bank. Most charge between $5 and $15 per check. Some banks waive the fee for customers with premium accounts or who maintain a minimum balance. A few credit unions do not charge a fee at all. Call your bank before you go, or check their website, to find out what they charge.

The actual process takes minutes. The teller will verify your information, deduct the money from your account, and print the check. You walk out with it in hand. If you order one online or by phone, it may take one to three business days to arrive by mail, depending on your bank's process.

Getting a cashier's check if you do not have a bank account

Some banks and credit unions will issue a cashier's check to non-customers, but policies vary widely. Call ahead and ask. You may be able to bring cash and have them issue the check on the spot, or they may require you to open an account first.

If your bank refuses, try a different bank in your area or a credit union. Credit unions are sometimes more flexible with non-members. You can also ask the person or business requesting the cashier's check whether they will accept a different form of payment, such as a money order or certified check, which may be easier to obtain.

Online and mobile options

Some banks let you order a cashier's check through their website or app if you are an existing customer. You typically enter the amount, the payee name, and your delivery preference. The bank then mails it to you or holds it for pickup at a branch.

This method is convenient if you do not need the check immediately, but it is slower than going in person. Mailed checks usually arrive within three to five business days. If you need a cashier's check the same day, visiting a branch in person is your only option.

When a cashier's check is not the only option

If you cannot get a cashier's check quickly or affordably, consider alternatives. A certified check is similar — the bank certifies that the funds are in your account — but it is drawn on your personal account rather than the bank's account. Many banks issue certified checks for free or a small fee, and you can write one yourself if you have the right account type.

A money order is another option. You can buy one at most grocery stores, pharmacies, post offices, and check-cashing services for $1 to $5. Money orders work like cashier's checks for smaller amounts, though some recipients prefer cashier's checks because they are issued by banks.

Ask whoever is requesting the payment whether they will accept one of these alternatives. Many will, and it may save you time and money.

What to do if your bank is closed or you need one urgently

If your bank is closed and you need a cashier's check the same day, call other banks in your area and ask if they will issue one to a non-customer. Some will, especially if you bring cash. Be prepared to pay a higher fee.

If it is after hours or a weekend, you are out of luck for a cashier's check. Your only same-day options are a money order or, if the recipient will accept it, a certified check from an online bank that you can print yourself (though this is rare and not all recipients will take it).

Frequently Asked Questions

Can I get a cashier's check without going to the bank in person?

You can order one online or by phone if you are an existing customer, but most banks mail it to you rather than issuing it instantly. If you need it the same day, you must visit a branch. Some banks may hold it for pickup instead of mailing it, which is faster.

What if I make a mistake on the cashier's check?

You cannot change a cashier's check once it is issued. If you make an error, ask the bank to void it and issue a new one. Most banks will do this for free if the mistake was theirs, but may charge a fee if you gave them the wrong information.

Do I need a bank account to get a cashier's check?

Not necessarily. Some banks will issue one to non-customers if you bring cash, though they may charge a higher fee or have other requirements. Call ahead to ask. If your bank refuses, try another bank or a credit union in your area.

How much does a cashier's check cost?

Most banks charge $5 to $15 per check. Some waive the fee for certain account types or customer relationships. Credit unions sometimes charge less or nothing. Call your bank to find out their specific fee.

Can I get a cashier's check on a weekend?

Only if your bank is open on weekends, which some branches are. Call ahead to confirm hours. If your bank is closed, you will need to wait until a weekday, or explore alternatives like a money order.