What Chase offers and how to order

Chase issues cashier's checks at most of its branches. You can order one in person at any Chase branch during business hours, or by phone through Chase customer service. The check is drawn on Chase's own account, not yours, which is why the recipient sees Chase as the guarantor of the funds.

If you have a Chase checking or savings account, you can walk into a branch with your account information and request a cashier's check. You'll need to tell the teller the payee name, the amount, and provide the funds to cover it. If you don't have a Chase account, some branches will still issue one, but policies vary by location — call ahead to confirm.

For phone orders, call the number on the back of your Chase debit card or the number listed on your account statement. Chase customer service can mail the check to you or arrange for you to pick it up at a branch. Mailed checks typically arrive within 5 to 7 business days.

Key Takeaways

  • Chase issues cashier's checks at branches for account holders and sometimes for non-account holders, depending on the location.
  • You can order in person at a branch or by phone, and you must provide the payee name, amount, and funds to cover the check.
  • Mailed cashier's checks from Chase take 5 to 7 business days; in-person pickup is when ready.
  • Chase charges a fee for cashier's checks, which varies by region and account type — ask the teller or customer service for the exact amount.

Fees and costs

Chase charges a fee for each cashier's check issued. The fee is not the same at every branch or in every state — it ranges from around $8 to $15 per check, though some account types or customer tiers may pay less or nothing. Call your local Chase branch or your account representative to learn the exact fee before you order.

The fee is separate from the amount of the check itself. If you order a $5,000 cashier's check and the fee is $10, you'll need $5,010 in your account or available to deposit.

Processing time and pickup

If you order a cashier's check in person at a Chase branch, you receive it the same day. The teller will print and sign it while you wait, usually within a few minutes.

If you order by phone or mail, Chase will mail the check to your address on file. Standard delivery takes 5 to 7 business days. Some branches may allow you to pick up a phone-ordered check at the branch instead of having it mailed — ask when you call.

What you need to bring or provide

For an in-person order, bring a valid government-issued photo ID and your Chase debit card or account information. You'll also need to know the exact payee name (spelled correctly) and the amount of the check.

If you're ordering by phone, have your account number and the last four digits of your Social Security number ready. You'll provide the payee name and amount over the phone, and Chase will confirm your mailing address or arrange a branch pickup.

Limits on cashier's check amounts

Chase does not publish a single maximum amount for cashier's checks. Large checks — typically $10,000 or more — may require additional verification or a longer processing time, and the branch may ask you to come in person rather than ordering by phone.

If you need a very large cashier's check, call your branch or a Chase business banking representative to discuss the amount and any extra steps involved. For amounts over $10,000, federal law requires Chase to file a Currency Transaction Report, but this does not prevent you from ordering the check — it is a routine reporting requirement.

Differences between Chase and other banks

Most major banks issue cashier's checks in much the same way: in person at a branch, by phone, or online through their banking portal. The main differences are the fee amount, processing time, and whether the bank allows non-account holders to order.

Chase's fee is competitive with other large banks like Bank of America and Wells Fargo, which typically charge $8 to $12 per check. Credit unions often charge less, sometimes $3 to $5. Online banks may not issue cashier's checks at all, since they have no physical branches.

If you need a cashier's check urgently and don't have a Chase account, a local credit union or community bank may be faster, since they often have shorter wait times and may waive fees for members.

When a cashier's check makes sense

A cashier's check is useful when the recipient needs proof that the money is real and available. Common uses include down payments on a home or car, security deposits for rental housing, and large purchases from private sellers who won't take a personal check.

The recipient can deposit or cash a cashier's check just like a regular check, but they know the funds are may provide by Chase, not dependent on whether your personal account has the money. This is why sellers and landlords often ask for one instead of a personal check.

Frequently Asked Questions

Can I order a cashier's check online through Chase's website?

Chase does not offer online ordering for cashier's checks through its consumer banking portal. You must order in person at a branch or by phone. Some business banking customers may have different options — contact your business banker to ask.

What if I need a cashier's check but don't have a Chase account?

Many Chase branches will issue a cashier's check to non-account holders, but it varies by location. Call your nearest branch first to confirm they will do it. You'll need a valid ID and the funds to cover the check amount plus the fee.

How long is a Chase cashier's check valid?

A cashier's check does not expire, but most banks will not cash or deposit one that is more than 6 months old without verification. If your check is older than that, contact Chase to confirm it is still valid before presenting it to the recipient.

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

If you ordered the check in person and have not yet left the branch, you can cancel it when ready. If the check has already been issued and you've left the branch, cancellation is more complicated and may require a stop-payment request and a fee. Call your branch right away if you need to cancel.

Do I need to report a large cashier's check to the IRS?

You do not report it to the IRS. Chase reports it to the federal government through a Currency Transaction Report if the amount is $10,000 or more, but this is routine and does not create a tax problem for you. The recipient may have separate tax reporting requirements depending on what the money is for.