Where to Get a Cashier's Check: Banks, Credit Unions, and Other Options

Banks and credit unions are your main sources for cashier's checks

You can get a cashier's check from any bank or credit union where you have an account, and from many where you don't. Walk into a branch during business hours, tell the teller you need a cashier's check, and provide the payee name, amount, and reason (optional but sometimes helpful). The teller will draw the funds from your account when ready, print the check, and you'll have it in minutes. Most banks charge $5 to $15 per check, though some waive the fee for account holders or those who maintain a minimum balance.

Credit unions typically charge less than banks—often $0 to $5—and some don't charge at all. If you're not a member, you can still request a cashier's check at most credit unions, but you may pay a higher fee or need to provide a government ID and proof of funds. Call ahead to confirm the fee and whether they'll issue one to a non-member, since policies vary by institution.

Key Takeaways

• Banks and credit unions issue cashier's checks at their branches during business hours, usually within minutes of your request.
• You need to provide the payee name, the exact dollar amount, and funds in your account or cash to cover the check.
• Fees range from $0 to $15 depending on the institution and whether you're an account holder.
• Some banks and credit unions allow non-account holders to purchase cashier's checks, but policies and fees differ.
• Online banks and some money transfer services offer cashier's checks by mail, though delivery takes several business days.

What you need to bring or have ready

Bring a government-issued ID (driver's license, passport, or state ID) and your debit card or account information. If you don't have an account at the bank, bring cash or a personal check to cover the amount plus the fee. The teller will verify your identity and confirm you have sufficient funds before issuing the check.

You'll also need to know the payee's exact name—spelled correctly—and the amount. Some banks ask why you need the check, but this is optional information. Write down the payee name beforehand if you're unsure of the spelling, especially for business names or people with uncommon names.

Online banks and mail-order cashier's checks

Some online banks and financial institutions issue cashier's checks by mail. You request the check through your online account or by phone, provide the payee and amount, and the check arrives in your mailbox within 5 to 10 business days. This option works if you don't have a local branch or need the check mailed directly to a third party (like a seller or landlord).

Fees for mail-ordered cashier's checks are often similar to in-person fees, but delivery time is the trade-off. If you need the check urgently, this route won't work. Call your bank's customer service line to ask whether they offer this service and how long it typically takes.

Money transfer services and alternative sources

Some money transfer services like Western Union and MoneyGram offer cashier's check-like products, though they're not true cashier's checks. These are sometimes called "money orders" or "certified checks" and work similarly—the service guarantees the funds—but they may have lower limits (often $1,000 to $5,000) and higher fees. Use these only if you can't reach a bank or credit union and the amount is small.

Avoid getting a cashier's check from a check-cashing store or payday lender unless it's your only option. These services charge much higher fees (sometimes 5% to 10% of the check amount) and may have restrictions on the payee or amount.

Same-day cashier's checks and timing

If you need a cashier's check the same day, go to a bank or credit union branch in person. Most issue them on the spot during business hours, Monday through Friday. Some branches are open Saturday mornings; call ahead to confirm. If you need one after hours or on a weekend, you'll have to wait until the next business day.

If the bank is closed when you arrive, you can request a cashier's check online or by phone for pickup the next business day. Some banks allow you to schedule a pickup time in advance, which can save you a trip if you're busy.

Fees and account requirements

Banks charge $5 to $15 per cashier's check; credit unions typically charge $0 to $5. Some institutions waive the fee if you maintain a certain account balance (often $500 to $2,500) or have direct deposit set up. A few banks include a certain number of free cashier's checks per month or year as part of premium accounts.

If you don't have an account, expect to pay the full fee with no discounts. Some banks won't issue a cashier's check to non-account holders at all, so call first. Credit unions are generally more flexible with non-members but may charge an extra $2 to $5.

What happens after you get the check

Once you have the cashier's check, keep it safe—it's as good as cash. Write the check number and amount in a record for your own tracking. If you lose it or it's stolen, contact the bank when ready and request a stop payment or replacement. The bank will ask for the check number, amount, payee, and date issued.

The recipient deposits or cashes the check like any other check. Because the bank guarantees the funds, there's no risk of it bouncing, which is why sellers and landlords often request cashier's checks for large transactions.

Frequently Asked Questions

Can I get a cashier's check without a bank account?

Yes. Most banks and credit unions will issue a cashier's check to non-account holders if you bring cash or a personal check to cover the amount plus the fee. Some institutions decline to serve non-members; call ahead to confirm. Credit unions are often more willing to help non-members than large banks.

How long does a cashier's check take to clear?

A cashier's check typically clears within one to three business days because the bank has already verified the funds. Some banks clear them the same day. The recipient's bank may hold it longer if they're cautious, but the funds are may provide from the moment the bank issues it.

What if I make a mistake on the payee name?

If you notice the error before you leave the bank, ask the teller to void it and issue a new one. If you've already left, contact the bank and request a stop payment, then get a replacement. Some banks charge a fee for this. To avoid the mistake, spell out the payee name carefully before the teller prints the check.

Can I get a cashier's check for a large amount?

Yes, there's no standard upper limit on cashier's checks. However, the bank may ask questions about large amounts (over $10,000) for fraud prevention and reporting purposes. This is normal and doesn't prevent you from getting the check. Be prepared to explain the purpose of the transaction.

What's the difference between a cashier's check and a certified check?

A cashier's check is drawn on the bank's account and may provide by the bank. A certified check is drawn on your personal account but certified by the bank to confirm the funds are there. Cashier's checks are more find because the bank is the guarantor. Certified checks cost less (often $0 to $5) but are less commonly requested for large transactions.