What Wells Fargo charges for a cashier's check

Wells Fargo charges a fee for each cashier's check you order, but the amount depends on your account type and whether you are a customer. The fee typically ranges from $7.50 to $15 per check, though this can vary. If you hold certain premium accounts — like Wells Fargo Platinum Checking or higher-tier accounts — you may have cashier's checks included free or at a reduced rate.

The best way to find out your exact fee is to call your local Wells Fargo branch or log into your online account and look for the fee schedule. You can also ask a teller in person when you order. Wells Fargo does not charge a fee if you are not a customer, but you will pay a higher amount — usually $15 or more — and the process takes longer.

Key Takeaways

  • Wells Fargo charges between $7.50 and $15 per cashier's check for account holders, depending on your account type.
  • You can order a cashier's check in person at any Wells Fargo branch with a valid ID and the funds in your account.
  • Most Wells Fargo branches issue cashier's checks the same day if you arrive before closing time, though some may take one business day.
  • You will need the payee's exact name, the amount, and a reason for the check (optional but helpful).
  • Non-customers can order a cashier's check but will pay a higher fee and may need to wait longer.

How to order a cashier's check at Wells Fargo in person

Walk into any Wells Fargo branch with your valid ID and the cash or funds you want to transfer. Tell the teller you need a cashier's check. The teller will ask you for the payee's name (the person or business the check is written to), the amount, and sometimes a memo line explaining what the check is for. Have this information ready before you reach the counter.

The teller will confirm the amount, deduct it from your account, and print the check. You will see the fee applied to your account at this time. The entire process usually takes 10 to 15 minutes. Most branches issue the check the same day if you arrive before they close, though some locations may ask you to return the next business day if you arrive late in the afternoon.

Before you leave, check the check for accuracy. Make sure the payee name is spelled correctly, the amount matches what you requested, and the date is correct. Do not sign the check — Wells Fargo signs it for you, and that is what makes it a cashier's check instead of a personal check.

Ordering a cashier's check online or by phone

Wells Fargo does not allow you to order a cashier's check through their website or mobile app. You must visit a branch in person or call your local branch and ask them to prepare one for you to pick up. If you call ahead, the teller can have the check ready when you arrive, which saves time.

When you call, provide the same information you would give in person: the payee's name, the exact amount, and your account number. Confirm the fee and when the check will be ready. You will still need to go to the branch to sign for it and receive it, even if you ordered by phone.

What happens if you need the check mailed to you

Wells Fargo can mail a cashier's check to your address on file, but you must request this when you order. Not all branches offer mailing, so call ahead to confirm. If your branch does mail checks, expect the check to arrive within three to five business days after you order it.

Mailing adds time and carries a small risk — if the check is lost in the mail, you will need to contact Wells Fargo to request a replacement. For this reason, picking up the check in person is faster and safer. If you must have it mailed, ask the teller for tracking information or a confirmation number so you can follow up if it does not arrive.

Ordering a cashier's check as a non-customer

You can order a cashier's check at Wells Fargo even if you do not have an account there. Bring a valid ID and the cash for the amount you need. The fee will be higher than for account holders — typically $15 to $20 or more — and the teller may ask additional questions about the purpose of the check.

Non-customers usually cannot order by phone or have the check mailed. You must visit the branch in person and wait while the check is prepared. Some branches may require you to return the next business day if they cannot issue it when ready. Call your nearest Wells Fargo branch first to confirm they will issue a cashier's check to a non-customer and what their fee is.

How long a cashier's check takes to clear

When someone deposits a Wells Fargo cashier's check, it usually clears within one business day. This is much faster than a personal check, which can take three to five business days. The speed is one reason cashier's checks are used for large purchases like down payments on homes or cars — the recipient knows the money is may provide and will arrive quickly.

The recipient's bank may place a temporary hold on the funds while they verify the check, but the hold is usually lifted within 24 hours. If there is a problem with the check — such as a spelling error in the payee's name — it may take longer to clear or may be rejected entirely.

What to do if you lose or damage a cashier's check

If you lose a cashier's check before you cash it, contact Wells Fargo when ready. Bring your ID and any documentation you have about the check — such as a receipt or confirmation number. Wells Fargo can issue a replacement, but they may require you to sign an indemnity agreement, which is a legal form stating that you will not cash the original check if it turns up later.

If the check is damaged but still readable, most banks will accept it. If it is torn, stained, or otherwise unreadable, take it to Wells Fargo and ask for a replacement. Bring the damaged check with you so the teller can see the problem. There is usually no fee for a replacement if the damage was not your fault, but Wells Fargo may charge a fee if you damaged it intentionally.

Frequently Asked Questions

Can I get a cashier's check on a Saturday or Sunday?

Most Wells Fargo branches are closed on Sundays and have limited Saturday hours. Call your local branch to confirm their weekend schedule. If you need a cashier's check on a weekend, plan to visit on Saturday morning or wait until Monday.

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

If you notice a spelling error before you leave the branch, ask the teller to issue a new check with the correct spelling. If you discover the error after you leave, contact Wells Fargo and bring the check back. They can issue a replacement at no charge if the error was made by the bank.

Do I need to have the money in my account before I order?

Yes. Wells Fargo will deduct the full amount of the check from your account when you order it. If you do not have enough funds, the teller will tell you and will not issue the check. Make sure your account has at least the check amount plus the fee before you visit the branch.

Can someone else pick up my cashier's check?

No. Wells Fargo requires the person who ordered the check to pick it up in person with a valid ID. If you cannot pick it up yourself, you can authorize someone else by calling the branch and providing their name, but policies vary by location. Call ahead to ask what your branch requires.

How much does a Wells Fargo cashier's check cost for non-customers?

Non-customer fees are typically $15 to $20 per check, though this varies by branch and location. Call your nearest Wells Fargo branch to confirm the exact fee before you visit. Some branches may charge more for larger amounts or may refuse to issue checks to non-customers.