How to Get a Cashier's Check from Wells Fargo

Wells Fargo cashier's checks: what you need to know

Wells Fargo issues cashier's checks at any of its branch locations. You can request one in person during business hours, and the bank will draw the check on its own account rather than yours. The check is may provide by Wells Fargo itself, which is why recipients treat it as safer than a personal check. You'll need to bring the funds to cover the check amount plus any fee Wells Fargo charges.

Wells Fargo charges a fee for each cashier's check issued. The fee amount varies by account type and region, so call your local branch or check your account agreement to find the current price. Some account tiers waive the fee entirely, while others charge between $5 and $15 per check.

Key Takeaways

• You must visit a Wells Fargo branch in person to request a cashier's check; the bank does not issue them by phone, mail, or online.
• Bring the exact amount of funds needed plus the fee, or have the funds available in your Wells Fargo account to cover both.
• The check is ready when ready in most cases, though some branches may need a few minutes to prepare it during busy hours.
• Wells Fargo charges a fee per check, which may be waived depending on your account type; ask your branch what applies to you.

What to bring to the Wells Fargo branch

Bring a valid photo ID — a driver's license, passport, or state ID card. The teller will verify your identity before issuing the check. You'll also need to know the exact amount of the check and the name of the person or business it should be made payable to.

If you're paying someone else's debt or making a payment on behalf of another person, bring documentation showing you have authority to do so. For example, if you're paying a contractor's invoice on behalf of a business, bring the invoice or a letter authorizing you to make the payment.

How the fee works and who pays it

Wells Fargo deducts the cashier's check fee from your account at the time you request the check. The fee does not come out of the check amount itself — it's a separate charge. For example, if you request a $5,000 cashier's check and the fee is $10, you'll need $5,010 available in your account.

Some Wells Fargo account types include cashier's checks at no charge. These typically include certain premium checking accounts or accounts with high minimum balances. Ask your branch which accounts waive the fee, or check your account agreement under "fees and charges."

Timing: how long it takes to get the check

Wells Fargo usually issues a cashier's check on the spot during your visit. The teller will prepare it while you wait, and you'll leave with the check in hand. During very busy times, you may wait a few minutes, but same-day issuance is the standard.

If you need the check on a specific date, call your branch ahead of time to confirm they have the funds available and can prepare it when you arrive. This is especially important if you're requesting a very large check or visiting during peak hours.

What happens if you lose or damage the check

If you lose a Wells Fargo cashier's check before the recipient cashes it, contact the branch that issued it as soon as possible. The bank can place a stop payment on the original check and issue a replacement. You may be charged a fee for the stop payment and replacement, typically $15 to $30.

To get a replacement, you'll need to sign an indemnity agreement — a document stating that you lost the check and requesting the bank to issue a new one. The bank may require you to wait a certain period (often 30 to 90 days) before issuing the replacement, to may support the original check doesn't surface and get cashed twice.

Differences between Wells Fargo cashier's checks and other payment methods

A Wells Fargo cashier's check is may provide by the bank, so the recipient knows the funds are available. A personal check drawn on your account carries no such may provide — the recipient has to trust that you have the money. A money order works similarly to a cashier's check but is issued by the post office or other vendors rather than a bank, and typically has a lower maximum amount.

A wire transfer moves money directly from your account to another account electronically, with no physical check involved. Wire transfers are faster for large amounts but are irreversible once sent. A cashier's check is reversible (through stop payment) and can be held or deposited later by the recipient.

Frequently Asked Questions

Can I order a Wells Fargo cashier's check online or by phone?

No. Wells Fargo requires you to visit a branch in person to request a cashier's check. You cannot order one through online banking, mobile app, or by calling the bank. Visit any Wells Fargo branch during business hours with your ID and funds.

What if I don't have enough money in my account right now?

You can deposit cash or another check at the branch before requesting the cashier's check. The teller can process your deposit and then issue the cashier's check from the same visit. Bring the funds in whatever form you have — cash, check, or transfer from another account.

Does Wells Fargo issue cashier's checks on weekends?

Most Wells Fargo branches are closed on Sundays and have limited Saturday hours. Check your local branch's hours online or call ahead. Some branches in high-traffic areas may be open Saturday mornings, but Sunday service is not standard.

Can the recipient deposit a Wells Fargo cashier's check at a different bank?

Yes. A Wells Fargo cashier's check can be deposited at any bank or credit union. The receiving bank will process it like any other check. There's no requirement for the recipient to use Wells Fargo.

What's the maximum amount for a Wells Fargo cashier's check?

Wells Fargo does not publish a stated maximum, but very large checks (over $100,000) may require advance notice to the branch. Call ahead if you need a check for a large amount to confirm the branch can prepare it and has the funds on hand.