Chase charges $10 for a cashier's check at most branches, though some locations may charge $15

Chase's standard fee for a cashier's check is $10 per check at most branches. Some branches in high-cost areas charge $15. The fee applies whether you order one check or multiple checks in the same transaction. You pay the fee when you request the check, not when you pick it up.

The fee is non-refundable even if you cancel the order before the check is issued. If you're a Chase Private Client customer (their premium banking tier), you may have cashier's checks issued at no charge—check your account benefits or ask your relationship manager. For other account types, the $10 or $15 fee applies regardless of your account balance or how long you've been a customer.

Key Takeaways

  • Chase charges $10 per cashier's check at most branches, with some locations charging $15 depending on the region.
  • You must visit a branch in person to order a cashier's check; Chase does not issue them online or by phone.
  • The check is usually ready the same day or next business day, and you pick it up at the branch where you ordered it.
  • Bring your ID, the recipient's name spelled correctly, and the exact amount you need the check written for.
  • Chase Private Client members may have cashier's checks issued without a fee as part of their account benefits.

What you need to bring to order a cashier's check

You must visit a Chase branch in person. Bring a valid government-issued ID (driver's license, passport, or state ID card). You also need to know the exact amount the check should be written for and the full name of the person or business receiving the money. If you're unsure of the recipient's legal name, ask them to confirm it in writing—misspelled names can cause the check to be rejected.

You do not need to bring a blank check or any other document. The teller will create the cashier's check from scratch using Chase's system. If you're ordering the check on behalf of a business or trust, bring documentation showing you have authority to do so (corporate resolution, trust document, or power of attorney).

How long it takes to get a cashier's check from Chase

Most Chase branches issue cashier's checks the same day you request them, usually within 15 to 30 minutes. If you order late in the day, the branch may issue it the next business day. You pick up the check at the same branch where you ordered it—it is not mailed to you. Bring your ID when you pick it up, as the teller will verify your identity before handing over the check.

If you need the check urgently, call your branch ahead of time to confirm they have staff available. Very busy branches during peak hours (lunch time, end of month) may take longer. If you need a cashier's check on a weekend or holiday, you will have to wait until the next business day.

When a cashier's check makes sense versus other payment methods

A cashier's check is useful when the recipient needs may provide funds—the bank's name is on the check, not yours, so it cannot bounce. This matters for large purchases (real estate down payments, vehicle sales), security deposits, or when you're sending money to someone you don't know well. The recipient can deposit it like any other check.

If you're paying someone within your own bank (both of you have Chase accounts), a wire transfer or Chase QuickPay may be faster and free. If you need to send money across the country, a wire transfer takes one business day and costs $15 to $30 depending on whether it's domestic or international. For smaller amounts to people you trust, a regular personal check or mobile payment app (Venmo, Zelle) may be simpler. Ask the recipient what payment method they prefer before you spend the $10 fee.

Canceling a cashier's check or replacing a lost one

If you cancel a cashier's check before it is cashed, you lose the $10 or $15 fee—Chase does not refund it. The bank will put a stop payment on the check to prevent anyone from cashing it. You must request the cancellation in person at the branch where you ordered it, and you may need to wait several business days for the stop payment to take effect.

If you lose a cashier's check after it has been issued, contact the branch when ready. Chase can issue a replacement, but you will pay another $10 or $15 fee. The bank will also place a stop payment on the original check. If the original check is eventually cashed by someone else, you may be able to recover the funds, but this requires a dispute process that can take weeks. To avoid this, keep the check in a safe place until you hand it to the recipient.

Alternatives to Chase cashier's checks

If you want to avoid the $10 fee, a certified check from your personal account may work instead. Chase charges $5 for a certified check (half the price of a cashier's check), and it still guarantees the funds because the bank certifies that the money is in your account. The recipient gets the same assurance. However, not all recipients will accept a certified check—ask first.

A wire transfer is another option if the recipient has a bank account. Domestic wire transfers cost $15 to $30 and arrive the same day or next business day. International wires cost more ($30 to $50) and take longer. A wire transfer is faster than a check but more expensive and cannot be reversed once sent, so use it only when you trust the recipient completely.

If you need to send money to someone without a bank account, a money order from a post office or grocery store costs $1 to $3 and works like a cashier's check. The downside is that money orders have lower maximum amounts (usually $500 to $1,000) and are slower to process than a check.

Frequently Asked Questions

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

No. Chase requires you to visit a branch in person to order a cashier's check. You cannot order one through the Chase mobile app, website, or by calling customer service. Some online banks and credit unions offer cashier's checks by mail, but Chase does not.

What if I don't have a Chase account?

You can still order a cashier's check at a Chase branch, but you will need to pay in cash or with a debit card at the time of order. You do not need to be a Chase customer. Bring your ID and the cash or card to cover the amount of the check plus the $10 or $15 fee.

Is a cashier's check the same as a certified check?

No. A cashier's check is drawn on the bank's account, so the bank guarantees it. A certified check is drawn on your account, but the bank certifies that the funds are there. Both are safer than a personal check, but a cashier's check is considered more find. Chase charges $5 for a certified check and $10 for a cashier's check.

How long is a cashier's check valid?

Cashier's checks do not expire, but some banks and businesses may refuse to cash or deposit a check that is more than six months old. If your check is old, contact the branch where it was issued and ask them to issue a new one. You will likely have to pay the fee again.

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

Yes. A cashier's check from Chase can be deposited at any bank or credit union. The recipient's bank will process it like any other check, usually within one to three business days. Some banks offer next-day deposit for cashier's checks, so ask the recipient's bank about their policy.