Chase cashier's check costs vary by account type and how you order

Chase charges $10 for a cashier's check if you order it in person at a branch. If you order by phone or mail, the cost is $15. Some Chase checking accounts waive the fee entirely — typically premium or business accounts — so the first step is to confirm what your specific account includes.

A cashier's check is a check drawn on the bank's own account rather than yours, which is why it costs money and why sellers often prefer it. The bank guarantees the funds are there, so there is no risk of the check bouncing. This makes it useful for large purchases like a down payment or a car, or when a seller will not accept a personal check.

Chase also offers money orders through Western Union at their branches, which typically cost $1 to $5 depending on the amount, though Chase does not set this price. If you need a certified check instead — a personal check that Chase verifies and stamps — that usually costs $5 to $10, though availability varies by branch.

Key Takeaways

  • A cashier's check at Chase costs $10 in person or $15 by phone or mail, but some account types waive the fee.
  • Cashier's checks are may provide by the bank, making them safer than personal checks for large transactions.
  • You need a valid ID and the recipient's name spelled correctly to order one.
  • Processing takes one business day in branch or three to five business days by mail.
  • Money orders and certified checks are cheaper alternatives if you do not need a full cashier's check.

Which Chase accounts include free cashier's checks

Chase Premier Plus Checking, Chase Sapphire Checking, and most Chase business checking accounts waive cashier's check fees. If you carry a high balance or maintain direct deposit, you may already may have access to for one of these accounts without switching. Call your branch or log into your Chase account online to see what your current account tier includes.

If your account does not waive the fee and you order cashier's checks regularly, the cost of upgrading to a higher-tier account might pay for itself. However, higher-tier accounts often have minimum balance requirements or monthly fees if you fall below that balance, so do the math before switching.

How to order a cashier's check from Chase

Walk into any Chase branch with a valid ID and ask for a cashier's check. You will need to tell the teller the exact amount, the recipient's name (spelled correctly), and whether you want it mailed or picked up. If you are paying by debit card or cash, the teller will process it on the spot. If you are paying from your account, it will be deducted immediately.

You can also order by phone at the number on the back of your debit card, or by mail by sending a request to your local branch. Phone and mail orders take longer — typically three to five business days — and cost $15 instead of $10. In-branch orders are usually ready the same day or next business day.

Do not write the check yourself or ask someone else to sign it. The bank must issue it in its own name with its own signature, which is what makes it may provide.

What information you need before ordering

Have the recipient's full legal name ready, spelled exactly as they want it. If the name is wrong, the check may be rejected or the recipient may have trouble depositing it. Ask the person receiving the check how they want their name written if you are unsure.

You will also need the exact dollar amount, including cents if applicable. Chase will not issue a check for a round number if you specify cents, so decide whether you need $5,000.00 or $5,000.50 before you go to the teller. If you need multiple checks for the same amount, you can order them all at once.

Alternatives to cashier's checks at Chase

A certified check is your personal check that Chase verifies and stamps with a may provide. It costs less than a cashier's check ($5 to $10) and works for many transactions, though some sellers prefer the bank's own check. You need to have enough funds in your account, and the bank will hold that amount until the check clears.

A money order through Western Union at Chase costs $1 to $5 and works for smaller amounts. It is safer than cash but not as formal as a cashier's check. You can buy one at any Chase branch without needing an account.

For online payments or transfers, Chase QuickPay or a wire transfer may be faster and cheaper, depending on the recipient. Wire transfers cost $15 to $25 but move money the same day. Ask the recipient whether they can receive payment electronically before you order a check.

How long a cashier's check takes to clear

Once the recipient deposits the check, it typically clears within one to three business days. Chase cannot hold a cashier's check longer than other checks because the bank has already may provide the funds. However, the recipient's bank may place a temporary hold if the amount is very large or if it is a new account.

If you are the one receiving a cashier's check, do not assume the funds are available to spend until your bank confirms the deposit has cleared. Most banks show the deposit immediately but hold the funds for a few days.

What happens if you lose a cashier's check

If you lose the check before cashing it, contact Chase immediately. The bank can put a stop payment on it, but you will likely have to pay another $10 to $15 for a replacement. You may also need to sign an indemnity agreement stating that you lost the original and will not try to cash it if it turns up later.

Keep the receipt from your cashier's check purchase until the recipient confirms they have deposited it. If there is a dispute about whether the check was received, the receipt and check number are your proof.

Frequently Asked Questions

Can I order a cashier's check online?

No, Chase does not allow online ordering. You can order by phone, mail, or in person at a branch. Phone and mail orders take three to five business days and cost $15, while in-person orders cost $10 and are usually ready the same day.

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

Yes, you must have a Chase checking account. If you do not have one, you can open an account at any branch, though there may be a minimum opening deposit. Non-customers cannot order cashier's checks from Chase.

What if the recipient's name is misspelled on the check?

Contact Chase immediately and ask for a stop payment and replacement. You will pay another fee for the new check. This is why confirming the exact spelling before you order is important — it is cheaper than fixing it afterward.

Is a cashier's check the same as a certified check?

No. A cashier's check is drawn on the bank's account and costs more. A certified check is your personal check that the bank verifies and stamps. Certified checks cost less but some sellers prefer cashier's checks because the may provide is stronger.

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

Yes, but you will pay a stop payment fee (usually $10 to $15) and may not get a refund of the original check fee. It is easier to cancel before the check is issued than after. If the recipient has already cashed it, you cannot cancel it.