What Chase charges for a cashier's check and how to order one
Chase Bank charges $10 per cashier's check if you order in person at a branch. If you order by phone or online through Chase's website or mobile app, the fee is $15 per check. You can order a single check or multiple checks at once. The check is drawn on Chase's own account, not yours, which is why the recipient trusts it — Chase guarantees the funds are there.
To order at a Chase branch, bring a valid government ID and your account number or debit card. Tell the teller how many checks you need and the amount each one should be for. The teller will fill in the payee name (the person or business receiving the money) and the amount while you watch. You sign the check on the spot, and it's ready to use when ready — you don't have to wait for it to be mailed.
If you order by phone, call the number on the back of your Chase debit card or the number listed on your account statement. A representative will take your information and mail the checks to your address on file. If you order online through Chase.com or the Chase Mobile app, look for "Cashier's Check" under the Transfers section. You'll enter the payee name, amount, and mailing address. Mailed checks typically arrive within 5 to 7 business days.
Key Takeaways
- Chase charges $10 per cashier's check if you order in person at a branch, or $15 if you order by phone or online.
- In-branch orders are ready when ready; you sign the check and leave with it the same day.
- Phone and online orders are mailed to your address on file and take 5 to 7 business days to arrive.
- You must provide the payee name and amount before the check is issued, and you cannot change these details after Chase prints it.
- Chase cashier's checks are may provide by the bank, so recipients treat them as good as cash.
When to order in person versus by mail
Order in person if you need the check the same day. This is the right choice if you're closing on a house, paying a contractor who won't wait, or settling a legal matter with a important date. Walk into any Chase branch during business hours with your ID and account information. The teller will have the check ready in a few minutes. You pay the $10 fee at that time.
Order by phone or online if you have a few days to wait. This works for rent payments, insurance premiums, or any bill where the due date is more than a week away. You'll save time by not going to a branch, though you'll pay $5 more per check. The trade-off is worth it if the branch is far from you or if you're ordering multiple checks at once.
If you're a Chase customer but don't have a local branch nearby, phone and online are your only options. Chase has over 4,700 branches nationwide, but not everywhere. Check Chase.com to find the nearest location before you decide to go in person.
What information you need before you order
Have the payee name ready — this is the exact name of the person or business that will receive the money. If you're paying a company, use the legal business name, not a nickname. If you're paying a person, use their full name as it appears on their ID or bank account. Chase will print exactly what you tell them, and you cannot change it after the check is printed.
Know the exact amount down to the cent. Cashier's checks cannot be altered or voided once issued, so if you write $5,000 and later realize you owe $4,950, you'll have to order a new check and eat the second fee. Some people round up by $50 or $100 to cover unexpected costs, but only if the recipient will accept overpayment.
If you're ordering by mail, have your current mailing address on file with Chase. The bank will send the checks to the address in their system. If you've moved recently, update your address in the Chase app or by calling before you order. If the address is wrong, the checks will go to your old house and you'll have to reorder.
How to fill out and use your Chase cashier's check
The bank fills in most of the check for you. The teller (or the mail system) will print Chase's routing number, your check number, the date, the payee name, and the amount in words and numbers. You sign the check in the signature line at the bottom right. Do not sign it before you receive it from Chase — the bank needs to verify the check is legitimate, and your signature is part of that verification.
Give the check to the payee. They can deposit it into their bank account, cash it at a bank, or mail it to a creditor. Most banks process cashier's checks the same day or next business day. The payee's bank will contact Chase to confirm the funds are real before clearing it.
Keep your receipt from Chase. It shows the check number, amount, payee, and fee. If the check is lost or stolen before the payee cashes it, you'll need this receipt to request a replacement or a refund. Chase may ask you to sign an affidavit (a sworn statement) saying the check was lost, and they may hold your money for 30 to 90 days while they investigate.
What to do if you need to cancel or replace a cashier's check
If you ordered a check and changed your mind before it was issued, call Chase when ready. If the check hasn't been printed yet, Chase can cancel the order and refund your fee. Once the check is printed and in your hands, cancellation is much harder.
If you've already given the check to the payee and they haven't cashed it, ask them to return it. This is the simplest solution. If they won't return it or you've lost it, contact Chase with your receipt. You'll need to sign an affidavit stating the check was lost or not used. Chase will place a stop payment on the original check and issue a replacement. This process takes 30 to 90 days, and Chase may charge a fee (usually $15 to $30) for the replacement.
If the payee has already cashed the check, you cannot cancel it. The money has left Chase's account and gone to the payee's bank. Your only option is to contact the payee and ask for a refund, or pursue the matter through small claims court if the amount is large and the payee refuses to cooperate.
Chase cashier's checks versus other payment methods
A cashier's check is backed by the bank itself, so the recipient knows the money is may provide. A personal check is backed only by your account balance, so recipients often don't trust it until it clears — which can take 5 to 10 business days. A wire transfer moves money when ready but costs $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 is less formal.
Use a cashier's check when the payee demands proof the money is real and available right now. Real estate closings, security deposits, and legal settlements almost always require a cashier's check. Use a wire transfer if you need the money to arrive the same day and the recipient has given you their bank details. Use a personal check for routine bills and everyday payments where the payee trusts you or doesn't mind waiting for it to clear.
Frequently Asked Questions
Can I order a cashier's check without a Chase account?
No. You must be a Chase customer with an active checking or savings account. If you don't have a Chase account, you can open one at any branch or online, but you'll need to fund it first. Some credit unions and smaller banks offer cashier's checks to non-customers for a higher fee, but Chase does not.
What if I make a mistake on the payee name or amount?
You cannot change it. Once Chase prints the check, the payee name and amount are permanent. If you made an error, you'll need to order a new check with the correct information and pay the fee again. Ask the teller or phone representative to read back the details before they print it.
How long is a Chase cashier's check good for?
Cashier's checks do not expire, but most banks will not cash or deposit a check that is more than 6 months old without contacting the issuing bank. If your check is older than 6 months and the payee won't accept it, contact Chase to request a replacement.
Can I get a cashier's check for more than $10,000?
Yes. Chase will issue a cashier's check for any amount. However, the bank is required by federal law to report any cashier's check of $10,000 or more to the IRS. This is normal and legal — it does not mean you're under investigation. The report is just a record-keeping requirement.
What if the payee says they didn't receive the check I mailed?
Contact Chase with your receipt and the date you ordered it. Ask Chase to place a stop payment on the original check and issue a replacement. You may need to sign an affidavit. In the future, use a mailing method that requires a signature, such as certified mail, so you have proof of delivery.