You can get a cashier's check at any Chase branch in person, by phone, or by mail

A cashier's check is a check drawn on the bank's own account rather than yours, which makes it as good as cash to the person receiving it. Chase issues them the same day you request one if you go to a branch in person, or within one to three business days if you order by phone or mail. You'll need to be a Chase customer with an account in good standing, bring a valid ID, and know the exact amount and payee name.

The cost is typically $10 per check, though Chase wavers this fee for some account types — ask your branch whether yours qualifies. You can order up to ten cashier's checks at once, and Chase will not hold the funds in your account until the check clears; the money comes out immediately when you receive it.

Key Takeaways

  • Walk into any Chase branch with your ID and the exact payee name and amount to get a cashier's check the same day.
  • You can order by phone at the number on the back of your debit card, and the check will arrive by mail in one to three business days.
  • Chase charges $10 per cashier's check unless your account type waives the fee.
  • The funds are withdrawn from your account immediately when you receive the check, not when the recipient deposits it.

Getting a cashier's check in person at a Chase branch

Go to any Chase branch during business hours with your valid ID and your debit card or account number. Tell the teller you need a cashier's check and provide the exact payee name (the person or business the check is written to) and the dollar amount. The teller will verify you have sufficient funds, charge you the fee if applicable, and hand you the check on the spot.

Bring the exact amount in writing if you have it — for example, if you're paying a down payment on a house, bring the closing documents that state the amount. This prevents mistakes. If you're unsure of the payee name, ask the person receiving the check to confirm it in writing before you go to the bank; a check written to the wrong name cannot be deposited by anyone else.

Ordering a cashier's check by phone

Call the number on the back of your Chase debit card and ask to order a cashier's check. You'll need to provide your account number, the payee name, and the amount. Chase will confirm your identity and verify you have the funds available. The check will be mailed to the address on file for your account, usually arriving within one to three business days.

If you need the check faster, ask whether Chase can expedite it — some branches will hold a check at a specific location for you to pick up the next business day. This varies by branch, so confirm before you hang up. Make sure the address on file is current; if it's not, update it before ordering or the check may go to the wrong place.

Ordering a cashier's check by mail

You can mail a written request to your local Chase branch, though this is the slowest method. Include a signed letter stating your account number, the payee name, the amount, and your contact phone number. Mail it to the branch address and include a copy of your ID. Chase will process the request and mail the check back to you, which typically takes five to seven business days total.

This method is rarely necessary — calling is faster and easier — but it may be an option if you cannot visit a branch or make a phone call during business hours. Confirm the branch address on Chase.com before mailing anything.

What happens to the money when you get a cashier's check

The funds are deducted from your account the moment you receive the check, whether you pick it up in person or it arrives by mail. You do not wait for the recipient to deposit it. This means if you order a cashier's check for $5,000 and have $5,100 in your account, you will have $100 left after the check is issued (minus the $10 fee if you pay one).

If the check is lost or stolen before the recipient deposits it, you can request a replacement, but Chase may ask you to sign an indemnity agreement or wait a set period (often 90 days) to make sure the original check does not surface. Keep the receipt or confirmation number Chase gives you; you'll need it if you have to prove you ordered the check.

When you might need a cashier's check instead of a personal check

Cashier's checks are used when the recipient wants proof the money is real before they hand over something valuable — a down payment on a house, a car, or a large purchase. A personal check can bounce if you don't have the funds; a cashier's check cannot, because it's drawn on Chase's account, not yours. This makes it safer for the person receiving it.

Real estate closings almost always require a cashier's check for the down payment and closing costs. Some landlords ask for one when you're renting. Private sellers often prefer them over personal checks. If you're unsure whether you need one, ask the person you're paying — they'll tell you what they'll accept.

Fees and account requirements

Chase charges $10 per cashier's check as a standard fee. However, some account types waive this fee entirely — typically premium checking accounts or accounts with a high minimum balance. Ask your branch whether your account qualifies. If you order multiple checks at once, you pay the fee for each one.

You must be a Chase customer with an account in good standing to order a cashier's check. If your account is overdrawn or flagged for fraud, Chase may refuse to issue one. You also need a valid government-issued ID (driver's license, passport, or state ID). If you don't have a Chase account, you can open one at any branch, though you'll need to wait for it to be activated before ordering checks.

Frequently Asked Questions

How long does it take to get a cashier's check from Chase?

Same day if you go to a branch in person. One to three business days if you order by phone or mail. If you need it faster and your branch offers it, ask about picking up an expedited check the next business day.

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

Yes, by phone or mail. Call the number on your debit card to order, and Chase will mail it to your address on file. This takes longer than going in person, but you don't have to leave home.

What if I don't know the exact payee name?

Ask the person or business you're paying to confirm the name in writing before you go to the bank. A cashier's check written to the wrong name cannot be deposited by anyone else, and you'll have to order a new one.

Can I cancel a cashier's check after I've ordered it?

Yes, but only if you haven't given it to the recipient yet. Contact your branch immediately with the check number or confirmation number. Chase will stop payment and refund your money, though they may charge a fee for the cancellation.

Is there a limit to how much a cashier's check can be for?

Chase does not publish a standard limit, but very large amounts (over $10,000) may trigger additional verification or reporting requirements. Call your branch to ask about limits for the amount you need.