Chase's cashier's check fee and where it applies

Chase charges $10 for a cashier's check at most of its branches. This fee applies whether you order one check or multiple checks in a single transaction. The fee is the same across Chase's U.S. locations, though some branches may have different policies — calling ahead to your local branch confirms the exact amount they charge.

Chase does not charge a fee for cashier's checks if you maintain certain account types. Chase Premier Plus checking and Chase Sapphire checking accounts include cashier's checks at no cost. If you hold one of these accounts, you can order a cashier's check without paying the $10 fee, though you still need to visit a branch or call to request one.

The $10 fee is separate from any other charges. If you need a rush cashier's check or request one by phone rather than in person, Chase may add additional fees depending on the service method and your account type.

Key Takeaways

  • Chase charges $10 per cashier's check at most branches, regardless of how many you order at once.
  • Chase Premier Plus and Chase Sapphire checking account holders do not pay the cashier's check fee.
  • You must visit a branch in person or call to order a cashier's check; you cannot request one online.
  • The fee does not include any rush delivery or expedited processing costs, which may explore separately.

How to order a cashier's check from Chase

To order a cashier's check, visit a Chase branch in person with your ID and the account you want to draw from. Tell the teller you need a cashier's check and provide the payee name, the amount, and any memo line information. The teller will prepare the check, you will review it for accuracy, and you will pay the $10 fee at that time (unless your account type waives it).

If you cannot visit a branch, you can call Chase at the number on the back of your debit card or on your account statement to request a cashier's check. Chase will mail it to you, though this method may take longer and may carry an additional mailing fee. Some branches also allow you to order by phone and pick up the check the same day or within 24 hours.

Chase requires the check to be drawn from a Chase checking account you own. You cannot order a cashier's check against a savings account, money market account, or credit card.

When Chase waives the cashier's check fee

Chase Premier Plus checking includes unlimited cashier's checks at no fee. This account requires a minimum daily balance of $25,000 and carries a monthly maintenance fee of $25 unless you meet other balance or deposit requirements.

Chase Sapphire checking also includes cashier's checks at no cost. This account requires a minimum daily balance of $500 and has a $12 monthly maintenance fee, which is waived if you maintain the minimum balance or set up direct deposit of at least $500 per month.

If you do not hold one of these premium accounts, you pay the $10 fee each time. Some employers or organizations offer Chase business accounts that may also waive cashier's check fees, though this varies by account tier.

Comparing Chase's fee to other banks

Cashier's check fees vary by bank. Bank of America charges $10 per check, matching Chase. Wells Fargo charges $10 as well. Smaller regional banks and credit unions often charge between $5 and $15, though some waive the fee for members who maintain certain account balances.

Some banks include cashier's checks free with premium checking accounts, similar to Chase's approach. Others charge a flat fee regardless of account type. If you order cashier's checks frequently, comparing what your current bank charges against what Chase or another institution charges may affect which account makes sense for you.

Online banks and some credit unions may offer lower fees or no fee at all, though they may require you to order by mail or have the check mailed to you rather than picking it up same-day.

What to know before you order

A cashier's check is a check drawn on the bank's own account, not your personal account. The bank guarantees the funds, which is why it carries a fee and why the recipient trusts it more than a personal check. Once you order a cashier's check, you cannot cancel it or get a refund of the fee if you change your mind.

Chase will need the exact payee name spelled correctly. If the name is wrong, the recipient may not be able to cash or deposit the check, and you will need to order a replacement. The bank will not correct a name on a cashier's check after it is issued.

Bring your ID and have your account number ready when you visit the branch. If you are ordering a check for a large amount, the teller may ask for additional information or may need to verify the transaction before issuing it.

Frequently Asked Questions

Can I order a cashier's check online from Chase?

No. Chase does not allow you to order cashier's checks through its website or mobile app. You must visit a branch in person or call the bank by phone. Some branches offer same-day pickup if you call ahead.

What if I need a cashier's check but do not have a Chase account?

You cannot order a cashier's check from Chase without a checking account with the bank. You would need to open an account first or use another bank where you already have an account. Some banks allow non-customers to purchase cashier's checks for a higher fee, but Chase does not offer this option.

Does Chase charge extra for a rush cashier's check?

Chase does not typically charge extra for a same-day or next-day cashier's check if you order in person or by phone during business hours. However, if you request expedited mailing or a check delivered outside normal business hours, additional fees may explore. Ask your branch about their specific rush options and any associated costs.

Can I get a refund if I do not use the cashier's check?

No. The $10 fee is non-refundable once the check is issued. If you do not need the check, you cannot return it for a refund. You can deposit or cash the check yourself, but the fee remains.

What happens if the cashier's check is lost or stolen?

Contact Chase when ready. The bank can place a stop payment on the check and issue a replacement, though you may need to wait a set period (usually 90 days) to confirm the original check was not cashed. A replacement cashier's check may carry another $10 fee, though some banks waive this in cases of loss or theft — ask your branch.