Chase offers cashier's checks at any branch, and the process takes about 10 minutes if you have an account there

You can walk into any Chase branch with your ID and a personal check or cash, and a teller will issue you a cashier's check on the spot. Chase charges a flat fee — currently $10 per check at most branches, though some locations charge $8 or $12 depending on your account type and region. If you have a Chase checking or savings account, you may pay nothing at all; Chase waives the fee for some account holders, particularly those with higher balances or premium accounts.

The teller will ask you to write out the amount and the payee name, then verify your identity. They'll print the check, you'll sign it, and you walk out with it. You don't need to have the full amount in your account beforehand — Chase will deduct it when ready when they issue the check, so make sure your account has the funds available.

Key Takeaways

  • Chase cashier's checks cost $10 at most branches, though the fee may be waived if you have certain account types or balances.
  • You need a valid ID and either cash or a personal check to request one; the teller will deduct the amount from your account when ready.
  • The check is ready in minutes at any Chase branch, and you can request it in person or by phone if you call ahead.
  • Chase cashier's checks are drawn on Chase's account, not yours, which is why they carry the bank's may provide and are accepted for large transactions.

What you need to bring to a Chase branch

Bring a government-issued photo ID — a driver's license, passport, or state ID card. You don't need to bring anything else if you're paying with funds already in your Chase account. If you want to pay with cash instead, bring the cash in the amount you need.

If you don't have a Chase account, you can still get a cashier's check, but you'll need to bring cash for the full amount plus the fee. Some branches may ask for additional identification if you're not a customer, so calling ahead is a good idea.

How the fee works and when it's waived

The standard fee is $10 per cashier's check. However, Chase waives this fee for customers who hold certain accounts. If you have a Chase Premier Plus checking account, a Chase Sapphire checking or savings account, or certain business accounts, the fee is typically waived. Some branches also waive the fee for customers with very high balances or those who maintain multiple accounts.

The best way to know your fee status is to call your local Chase branch or log into your online account and look for fee schedules. Fees can vary slightly by region, so what one branch charges may differ from another. If you're not sure whether your account qualifies for a waiver, ask the teller when you arrive — they can tell you when ready.

Getting a cashier's check without visiting a branch

If you can't visit a branch in person, you can call your local Chase branch and request a cashier's check over the phone. The teller will take your information, and you'll need to pick it up within a set timeframe — usually a few days. Some branches may mail it to you, though this takes longer and adds mailing time to your timeline.

For phone requests, you'll still need to provide your account number, the payee name, and the amount. The teller will verify your identity by asking security questions. You'll sign the check when you pick it up in person, or in some cases, the branch may mail it unsigned and you'll sign it yourself before using it.

How long a Chase cashier's check takes to clear

A cashier's check drawn on Chase clears much faster than a personal check because it's may provide by the bank itself. Most banks will clear a Chase cashier's check within one business day, and many clear it the same day it's deposited. Some banks clear it within two business days, depending on their own policies and the time of day you deposit it.

The recipient's bank, not Chase, controls the actual clearing time. If the payee deposits it at a small local bank, it may take slightly longer than if they deposit it at a large national bank. But in general, expect a Chase cashier's check to be available to the recipient within one to two business days of deposit.

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

If you lose a cashier's check before giving it to the payee, contact your local Chase branch when ready. Chase can put a stop payment on it, which prevents anyone else from cashing it. You'll need to provide the check number, amount, and payee name. Chase typically charges a stop payment fee, usually around $30, though this may vary by branch.

If the payee says they never received the check, ask them to wait at least 30 days before you request a replacement. Cashier's checks can take time to clear, and the payee may not have deposited it yet. After 30 days, you can request a replacement check from Chase. Bring proof that the original was never cashed — your bank statement showing the deduction and the payee's confirmation that they didn't receive it — and Chase will issue a new one.

Chase cashier's checks versus other payment methods

A cashier's check is backed by Chase's own funds, not yours, which is why sellers and landlords trust them more than personal checks. A wire transfer is faster — it clears the same day — but costs more (usually $15 to $30) and requires the recipient's bank account details. A money order is cheaper (usually $1 to $5) but is limited to smaller amounts and isn't may provide by a bank.

For large payments like a down payment on a house or a security deposit, a cashier's check is the standard choice. For urgent same-day payments, a wire transfer is faster. For small amounts under $1,000, a money order may be cheaper. Your choice depends on the amount, the urgency, and what the recipient will accept.

Frequently Asked Questions

Can I get a Chase cashier's check if I don't have a Chase account?

Yes, but you'll need to bring cash for the full amount plus the fee. Some branches may require additional ID or may ask you to open an account. Call ahead to confirm your local branch's policy.

What if the payee's name is spelled wrong on the cashier's check?

If you catch the error before you leave the branch, ask the teller to void it and issue a new one. If you've already left, contact Chase when ready — they may be able to stop payment and reissue it. A misspelled name can prevent the payee from cashing the check.

Do I need to endorse a Chase cashier's check?

No. You sign the check when you request it, not when you give it to the payee. The payee will sign it when they deposit it. Do not sign the back of the check.

How much does a Chase cashier's check cost?

The standard fee is $10, though some accounts have it waived. Call your branch or check your account fee schedule to confirm. Fees may vary by location.

Can Chase issue a cashier's check for an amount larger than my account balance?

No. Chase will only issue a cashier's check if you have the full amount available in your account. If you don't have enough, you'll need to deposit funds first or bring cash to cover the difference.