How to Get a Cashier's Check From Chase Bank

What a cashier's check is and when you need one

A cashier's check is a check drawn on the bank's own account, not yours. The bank guarantees the funds are there because it has already taken the money from your account. This makes it safer than a personal check for large transactions — the recipient knows it will not bounce.

You need a cashier's check when someone will not take a personal check because the amount is large or the risk feels high to them. Common reasons include down payments on a house, security deposits on apartments, car purchases, or payments to government agencies. Some landlords and sellers specifically request them.

Chase offers cashier's checks at all of its branches. The process is straightforward, but there are fees, timing limits, and a few things that can slow you down if you are not prepared.

Key Takeaways

• You can order a cashier's check in person at any Chase branch during business hours, and most are ready the same day or within one business day.
• Chase charges a fee for cashier's checks — the amount varies by state and account type, so call your branch or check your account agreement to confirm the exact cost.
• You need a valid government-issued ID, the exact payee name, and the amount you want the check for; bring the recipient's address if you have it.
• If you need the check urgently, call your branch ahead of time to confirm they have the supplies on hand and can issue it the same day.
• Chase does not issue cashier's checks by phone or online, so you must visit a branch in person or send an authorized representative with a power of attorney.

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

Walk into any Chase branch with your ID and ask for a cashier's check. Tell the teller the exact name of the person or business the check should be made out to, the dollar amount, and the date you need it. The teller will confirm the fee, deduct the amount plus the fee from your account, and issue the check on the spot or within one business day.

Bring your government-issued ID — a driver's license, passport, or state ID card. The teller will not issue the check without it. If you have the recipient's mailing address, bring that too, though it is not required.

The payee name must be exact. If you are unsure how a business spells its legal name, ask the recipient or look it up before you go to the branch. A check made out to "John Smith" cannot be cashed by "Jon Smith," and a check to "ABC Company Inc." cannot be cashed by "ABC Company." The bank will not correct this after the check is printed.

Chase cashier's check fees and timing

Chase charges a fee for each cashier's check. The fee varies by state and by the type of account you hold — checking, savings, or money market accounts may have different rates. As of the most recent published information, fees typically range from $10 to $15 per check, but this can change and varies by location.

Call your local Chase branch or review your account agreement to confirm the exact fee before you go in. The fee will be deducted from your account along with the check amount, so you need enough money in your account to cover both.

Most Chase branches issue cashier's checks the same day if you arrive during business hours and the branch has the supplies on hand. Some branches may take one business day. If you need the check urgently, call ahead and ask whether they can issue it when ready. Do not assume — branches occasionally run out of cashier's check stock or have staffing delays.

What happens if you cannot go to the branch in person

Chase does not issue cashier's checks by phone, mail, or online. You must appear in person with a valid ID. If you cannot go yourself, you can send someone else with a power of attorney document that authorizes them to act on your behalf. The power of attorney must be notarized and must specifically grant the authority to request a cashier's check.

A power of attorney is a legal document, and the requirements vary by state. If you need to use one, contact a lawyer or your local legal aid office to make sure it is drafted correctly. A poorly written power of attorney may be rejected by the bank.

If you are out of state or unable to visit a branch, this is the only option Chase offers. There is no remote ordering process.

Common mistakes that delay or prevent cashier's checks

The most common mistake is getting the payee name wrong. Write it down exactly as the recipient tells you, or ask them to spell it. The bank will print what you say, and you cannot change it after the check is issued.

The second mistake is not bringing enough money in your account. The bank deducts both the check amount and the fee. If your account has $5,000 and you want a $5,000 check with a $15 fee, you will be short $15 and the request will be denied.

The third mistake is showing up without an ID. The teller cannot issue a cashier's check without one, and a photo ID is required — a utility bill or other document will not work.

The fourth mistake is assuming the branch has the supplies. If the branch is small or has had high volume, they may not have blank cashier's checks in stock. Calling ahead takes two minutes and prevents a wasted trip.

What to do if you lose or damage a cashier's check

If you lose a cashier's check before the recipient cashes it, contact Chase when ready. The bank can place a stop payment on the check, which prevents anyone else from cashing it. You will usually have to pay a stop payment fee, which is separate from the original cashier's check fee.

After the stop payment is in place, you can order a replacement cashier's check. The bank will issue a new one for the same amount and payee. You will pay another cashier's check fee for the replacement.

If the check is damaged but not lost — for example, it got wet or torn — bring it to the branch and ask for a replacement. Some branches will reissue it without an additional fee if the damage is clear and the check has not been cashed. Others may charge the full fee again. Ask before you assume.

Alternatives to a cashier's check

If you cannot get to a Chase branch or do not want to pay the fee, there are other ways to send may provide funds. A wire transfer moves money directly from your bank account to the recipient's account. It is faster than a check and does not require the recipient to deposit anything, but it also costs a fee — usually $15 to $30 — and you need the recipient's bank account and routing number.

A certified check is similar to a cashier's check but is drawn on your account rather than the bank's. The bank stamps it to confirm the funds are there. It costs less than a cashier's check at some banks, but not all recipients accept it because the bank is not guaranteeing the funds the way it does with a cashier's check.

Some recipients will accept a money order from a post office or retail store. Money orders are cheaper than cashier's checks — usually $1 to $5 — but they have lower maximum amounts, typically $500 to $1,000 per order. If you need to send more than that, you would have to buy multiple money orders.

Frequently Asked Questions

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

No. Chase only issues cashier's checks in person at a branch. You must visit with a valid ID, or send an authorized representative with a notarized power of attorney. There is no online or phone option.

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

Most banks clear a cashier's check within one business day because the funds are may provide by the issuing bank. Some clear the same day. The recipient's bank sets the timeline, not Chase, so ask the recipient's bank if you need to know the exact timing for a specific transaction.

What if the recipient's name is a business with a long legal name?

Write the exact legal name as it appears in the business registration or on official documents. If you are unsure, ask the business for the name they want on the check. A check made out to an incorrect business name will not be accepted, and you cannot change it after it is printed.

Do I need to be a Chase customer to get a cashier's check?

Yes. You must have a Chase account and funds in that account to cover the check amount plus the fee. If you do not have a Chase account, you can open one at any branch, but you will need to fund it before you can order the cashier's check.

What if I need the cashier's check the same day?

Call your local Chase branch in the morning and ask if they can issue a cashier's check the same day. Most can, but it depends on when you call, how busy the branch is, and whether they have supplies on hand. Do not wait until late afternoon to call or visit.