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

Chase does not charge a fee for cashier's checks if you have a Chase checking account and order at a branch. If you order by phone or mail, Chase charges $15 per check. If you do not have a Chase account, the fee is $15 per check regardless of how you order.

These fees can change, so confirm the current price when you call or visit your branch. Some Chase account tiers — particularly premium or wealth management accounts — may have different pricing or waived fees, so ask about your specific account type.

Key Takeaways

  • Chase charges nothing for cashier's checks ordered in person at a branch if you have a checking account with them.
  • Phone and mail orders cost $15 per check, even for account holders.
  • Non-customers pay $15 per check no matter how they order.
  • Premium account holders should ask whether their account tier includes waived cashier's check fees.
  • You will need a valid ID and funds in your account to cover the check amount plus any fee.

How to order a cashier's check at Chase

The fastest way is to visit a Chase branch in person with your ID and a deposit or checking account. Tell the teller you need a cashier's check, provide the payee name and amount, and the teller will issue it on the spot. You will need enough money in your account to cover both the check amount and any fee.

If you cannot visit a branch, call Chase customer service at the number on the back of your debit card or check. You can also mail a written request to your local branch, though this takes longer. For phone and mail orders, Chase will mail the check to you, which adds several business days to the process.

Some Chase branches allow you to order online through your account, though this option is not available everywhere. Check your Chase mobile app or online banking portal to see if the option appears for your branch.

What information you need to provide

Have the payee's name spelled correctly — this is the person or business the check is written to. You will also need the exact amount and your account information. If the payee has a mailing address or account number, bring that too, though it is not always required.

The teller or phone representative will ask you to verify your identity and confirm you have funds available. If you are ordering for someone else's account, you will typically need to be an authorized user on that account or have power of attorney.

Timing and when you will receive it

In-branch orders are ready immediately or within a few minutes. Phone orders usually arrive within 5 to 7 business days by mail. Mail requests take longer — typically 7 to 10 business days from when Chase receives your letter.

If you need a cashier's check urgently, visiting a branch in person is your only option for same-day service. Call ahead to confirm your branch has the amount you need in stock, especially for very large checks.

Differences between a cashier's check and other payment methods

A cashier's check is drawn on the bank's own account, not yours, so the recipient knows the funds are may provide. A personal check is drawn on your account and can bounce if there are insufficient funds. A money order is similar to a cashier's check but is issued by the post office or other vendors, not a bank, and typically has a lower maximum amount.

Cashier's checks are preferred for large purchases like down payments on homes or cars because they carry less fraud risk than personal checks. Wire transfers are faster but more expensive and cannot be reversed once sent. Automated Clearing House (ACH) transfers are free but take 1 to 3 business days and have lower daily limits at most banks.

What happens if you lose or need to cancel a cashier's check

If you lose a cashier's check before cashing it, contact Chase immediately. You will need to file a claim and may have to wait 30 to 90 days while Chase investigates whether the check has been cashed. If it has not been cashed in that window, Chase will issue a replacement or refund.

If you want to cancel a cashier's check you have already received, you can return it to Chase and request a refund. Chase may charge a fee for this service — typically $15 to $25 — and will need to verify the check has not been cashed. The process usually takes several business days.

Chase cashier's check limits and restrictions

Chase does not publish a maximum amount for cashier's checks, but very large checks (typically over $100,000) may require advance notice or approval. Call your branch to discuss the amount you need before you visit.

You can order multiple cashier's checks in one visit or request, but each one incurs a separate fee if you are ordering by phone or mail. Some branches may limit the number you can order at once, so ask when you call.

Frequently Asked Questions

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

Yes. Non-customers can order a cashier's check at any Chase branch for a $15 fee. You will need a valid ID and cash or a debit card to pay for the check amount plus the fee. Some branches may require advance notice for large amounts.

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

Once the recipient deposits a cashier's check, it typically clears within 1 to 2 business days because it is drawn on the bank's account, not a personal account. Some banks hold cashier's checks longer if they are from out of state or for very large amounts, but this is less common than with personal checks.

What if Chase says they cannot issue the check amount I need?

Very large amounts may require advance notice so the branch can have cash on hand. Call your branch directly to discuss the amount and ask how much notice they need. If your branch cannot accommodate it, ask whether another nearby branch can or whether you can pick it up at a different location.

Is there a difference between a cashier's check and a certified check?

Yes. A cashier's check is drawn on the bank's account and is may provide by the bank. A certified check is drawn on your personal account but certified by the bank to confirm the funds are there. Cashier's checks are more secure and are preferred by most sellers and lenders.

Can I order a cashier's check online and pick it up at the branch?

This depends on your branch and account type. Some Chase locations allow online ordering with branch pickup, but it is not available everywhere. Check your Chase app or call your branch to see if this option is available for you.