How to Order a Cashier's Check From PNC Bank

PNC offers cashier's checks at most branches, and you can order one in person or by phone for a fee that varies by account type

PNC Bank issues cashier's checks through its retail branches and some online banking channels. A cashier's check is a bank's own check, drawn on the bank's account and signed by a bank officer, which makes it safer than a personal check for large payments. PNC charges a fee for this service — typically $10 to $15 per check, though the exact amount depends on your account type and whether you are a PNC customer.

The fastest way to get a PNC cashier's check is to visit a branch in person with your ID and the funds in your account. If you cannot visit a branch, you can call your local PNC branch or your account representative to order one by phone, though you will still need to pick it up at a branch or arrange delivery in some cases.

Key Takeaways

• PNC cashier's checks cost between $10 and $15 per check, depending on your account type and whether you hold a PNC checking or savings account.
• You must have the funds available in your PNC account at the time you order the check, and the bank will hold that amount until the check clears.
• The fastest method is to visit a PNC branch in person with your ID and request the check at the teller window.
• If you order by phone, you will still need to pick up the check at a branch or pay an additional fee for mailed delivery.
• PNC typically issues cashier's checks the same day if you order before the branch closes, though some branches may require 24 hours' notice.

How to order a cashier's check at a PNC branch

Walk into any PNC Bank branch during business hours with your government-issued ID and your debit card or account number. Tell the teller you need a cashier's check and provide the name of the payee (the person or business the check is written to), the amount, and any memo line text you want printed on the check. The teller will verify you have sufficient funds in your account and will charge the fee at that time.

The teller will prepare the check, which you can usually receive when ready. The bank holds the funds from your account as soon as the check is issued, so the money is no longer available for other transactions. Keep the receipt the teller gives you — it shows the check number, amount, and fee charged, and you will need it if you ever need to stop payment or verify the check was cashed.

Ordering a cashier's check by phone or online

Call your local PNC branch directly or contact PNC customer service at the number on the back of your debit card to request a cashier's check by phone. You will need to provide your account number, the payee name, the amount, and your ID information for verification. The bank will confirm you have sufficient funds and will charge the fee to your account.

When you order by phone, you must pick up the check at a branch — PNC does not mail cashier's checks to customers in most cases. Ask the teller which branch you should visit and when the check will be ready. Some branches may require 24 hours' notice for phone orders, so confirm the timeline before you hang up. If you need the check mailed, ask about the additional fee and delivery timeframe, as this varies by location.

Fees and account requirements

PNC charges a fee for each cashier's check, and the amount depends on your account type. Customers with certain premium checking or wealth management accounts may have the fee waived or reduced. If you do not have a PNC account, you can still order a cashier's check, but you will pay a higher fee and may need to bring cash or a certified check to cover the amount plus the fee.

The funds for the cashier's check must be in your PNC account at the time you order it. If you do not have enough money available, the bank will not issue the check. Some accounts have daily withdrawal limits that may affect how much you can order in a single cashier's check, so check your account terms or ask a teller if you are ordering a large amount.

What information you need to provide

Before you visit a PNC branch or call to order a cashier's check, gather the following details: the exact name of the payee (spelled correctly), the amount of the check, and any memo line text you want included. If the payee is a business, use the legal business name rather than a nickname. If you are unsure of the exact name, ask the person or business you are paying and verify it in writing before you order the check.

You will also need to bring a government-issued ID such as a driver's license or passport. If you are ordering the check for someone else or on behalf of a business, bring documentation that shows you have authority to do so, such as a power of attorney or corporate resolution. PNC may ask additional questions if the amount is very large or if the transaction seems unusual.

How long it takes to receive a PNC cashier's check

If you order in person at a branch, you can usually receive the check the same day before the branch closes. Most PNC branches close at 5 or 6 p.m. on weekdays and have limited hours on Saturday; Sunday hours vary by location. If you order after the branch closes or on a weekend, the check will be ready the next business day.

Phone orders typically take 24 hours, though some branches may issue them the same day if you call early enough. Mailed delivery takes 3 to 5 business days from the date you order, plus the time for the check to arrive at your address. If you need a cashier's check urgently, visiting a branch in person is the fastest option.

Stopping payment or replacing a lost check

If you lose a PNC cashier's check or need to stop payment, contact your branch or PNC customer service when ready. Provide the check number, amount, payee name, and the date you received it. PNC can place a stop payment on the check, which prevents it from being cashed if it has not already been deposited. There is usually a fee for this service, typically $15 to $25.

If the check was lost or stolen, PNC may require you to sign an affidavit stating that you did not receive or authorize payment. The bank will then issue a replacement check once the original check has cleared or after a set period (usually 90 days) has passed with no activity. Keep your receipt and any documentation of the original check so you can prove the transaction if needed.

Frequently Asked Questions

Can I order a PNC cashier's check without a PNC account?

Yes, but you will pay a higher fee and must bring cash or another form of payment to cover the check amount plus the fee. Non-customers should ask about the exact fee at their nearest PNC branch, as it varies by location. You will still need a government-issued ID.

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

Contact your PNC branch when ready and explain the error. The bank can usually issue a replacement check at no additional charge if the mistake was made by PNC. Bring the original check and your receipt. Do not give the misspelled check to the payee, as they may not be able to cash it.

How much does a PNC cashier's check cost?

PNC typically charges $10 to $15 per cashier's check for account holders, though some premium accounts have the fee waived. Non-customers pay a higher fee. Call your local branch or check your account terms to confirm the exact fee for your account type.

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

Most PNC customers cannot order cashier's checks through the online banking portal. You must visit a branch in person or call your branch directly. Some wealth management customers may have online ordering available, so check with your account representative or call customer service to confirm.

What happens if the person I'm paying doesn't cash the cashier's check?

The funds remain held in your PNC account indefinitely until the check is cashed or you stop payment. If you want the money back, you must contact PNC and request a stop payment, which usually costs $15 to $25. After 90 days or more with no activity, some banks will return the funds to your account automatically, but you should not rely on this.