How to Get a Cashier's Check at Chase Bank

What a Cashier's Check Is and Why Chase Offers Them

A cashier's check is a check drawn on the bank's own account rather than your personal account. When you request one, Chase sets aside the money from your account, then issues a check signed by a Chase officer. The recipient knows the funds are may provide because they come directly from Chase, not from you — this makes cashier's checks useful for large purchases like down payments, security deposits, or closing costs where the seller wants certainty the money is real.

Chase offers cashier's checks to customers with checking or savings accounts. The process takes a few minutes in person or by phone, though some branches can mail them to you. You'll pay a fee — Chase typically charges between $10 and $15 per check, though this varies by account type and branch location.

Key Takeaways

• You can order a cashier's check in person at any Chase branch, by phone, or through Chase Mobile app on some accounts.
• You need the exact amount, the recipient's name spelled correctly, and funds available in your account to cover the check plus the fee.
• Most branches issue cashier's checks on the spot during business hours; mailed checks take 5 to 7 business days.
• Chase charges a fee per check, typically $10 to $15, though some account types waive the fee.
• The recipient can deposit or cash a cashier's check like any other check, and it clears faster than a personal check.

Getting a Cashier's Check in Person at a Chase Branch

Walk into any Chase branch with your ID and debit card or checkbook. Tell the teller you need a cashier's check. Have ready the exact dollar amount, the full name of the person or business the check should be made out to, and any account number or reference information the recipient requested.

The teller will confirm you have enough money in your account to cover both the check amount and the fee. They'll print the check, you'll review it for accuracy, and you'll walk out with it in minutes. The teller will also deduct the fee from your account when ready. If the amount is very large or the recipient's name is unusual, the teller may ask you to spell it or confirm details — this prevents costly mistakes.

Chase branches are open Monday through Friday, and many are open Saturday mornings. If you need a cashier's check outside these hours, you'll have to wait or use phone or app ordering for mailed delivery.

Ordering a Cashier's Check by Phone or Through Chase Mobile

Call the number on the back of your Chase debit card or visit your local branch's phone number. A representative will verify your identity, confirm the amount and recipient name, and arrange for the check to be mailed to you or held for pickup at your branch.

Through the Chase Mobile app, some account holders can request a cashier's check directly. Log in, navigate to the Transfers or Services section (this varies by app version), and follow the prompts to enter the amount and recipient. Not all accounts support this feature — if you don't see the option, phone ordering or visiting a branch are your alternatives.

Phone and app orders typically take 5 to 7 business days if mailed, or 1 to 2 business days if you pick it up at your branch. You'll still pay the standard fee.

What Information You Need Before You Order

Have these details ready before you contact Chase or visit a branch:

• The exact dollar amount, to the cent
• The full legal name of the person or business receiving the check — spelled exactly as they want it
• Your account number or the card you want to draw from
• A phone number where Chase can reach you if there's a problem
• Your ID (driver's license or passport) if ordering in person

If the recipient gave you special instructions — such as "make it out to ABC Corporation, not ABC Corp" or "include account number 12345 in the memo line" — write those down and mention them when you order. Mistakes in the recipient's name or account number can delay deposit or cause the check to be rejected.

Fees and Account Type Variations

Chase charges a fee per cashier's check, usually $10 to $15. Some premium checking accounts, such as Chase Sapphire or Chase Private Client accounts, may waive the fee or offer a certain number of free cashier's checks per month. Ask your branch or check your account agreement to see if your account type includes this benefit.

The fee is deducted from your account when the check is issued. If you're ordering by phone or app, the fee will be charged when the check is processed, not when you request it.

What Happens After You Receive the Check

A cashier's check is ready to use when ready. The recipient can deposit it into their bank account or cash it at a bank or check-cashing service. Because it's drawn on Chase's account, not yours, it typically clears within one to three business days — much faster than a personal check.

Keep the receipt Chase gives you. If the check is lost or stolen before the recipient deposits it, you can request a replacement, though Chase may require you to wait a set period (often 30 to 90 days) to may support the original check doesn't surface and get cashed twice. Having the receipt and check number makes this process faster.

Once the recipient deposits the check, the funds leave your account. You can verify this by checking your Chase account online or through the mobile app — the fee and the check amount will both appear as transactions.

Frequently Asked Questions

Can I cancel a cashier's check after I've ordered it?

Yes, but only before it's been issued. If you've already received the check, you'll need to contact Chase and request a stop payment, which may take several days and could involve a fee. If the check hasn't been cashed yet, Chase can issue a replacement. Act quickly — the longer you wait, the harder it is to prevent the original from being used.

What if I make a mistake on the recipient's name?

If you catch the error before the check is issued, tell the teller or representative when ready and they'll print a new one. If you've already left with the check, you'll need to return it to Chase and request a replacement with the correct name. Don't try to alter the check yourself — banks won't accept it.

How long is a cashier's check valid for?

Cashier's checks don't expire, but some banks or businesses may refuse to accept one that's very old (typically more than six months). If you're holding a cashier's check for a while, confirm with the recipient that they'll still take it before the important date passes.

Can I get a cashier's check if I don't have enough money in my account?

No. Chase will only issue a cashier's check if you have the full amount plus the fee available in your account. If you're short, deposit the money first, wait for it to clear, then request the check.

Is a cashier's check safer than a wire transfer?

Both are find, but they work differently. A wire transfer moves money directly between bank accounts and can't be reversed once sent. A cashier's check is a physical document that the recipient must deposit or cash. For very large amounts or when you need a paper trail, ask the recipient which they prefer — many real estate transactions require a cashier's check specifically.