Chase's cashier's check fee
Chase charges $10 per cashier's check if you order in person at a branch. If you order by phone or online, the fee is $15 per check. These are the standard fees for personal checking accounts at Chase.
A cashier's check is a check written by the bank itself, not by you. The bank guarantees the money is there because it comes from the bank's own account. This makes it safer than a personal check for large purchases or payments — the recipient knows the funds won't bounce.
The fee covers the bank's cost to verify your account has the money, print the check, and take on the may provide. You pay the fee when you order, whether the check clears or not.
Key Takeaways
- Chase charges $10 for a cashier's check ordered at a branch and $15 if you order by phone or online.
- The fee is the same regardless of the check amount — whether it's for $100 or $10,000.
- You can order a cashier's check same-day at most Chase branches during business hours.
- Some Chase account types, like certain premium checking accounts, may have cashier's check fees waived — check your account agreement or call your branch.
How to order a cashier's check at Chase
The fastest way is to visit a Chase branch in person. Bring your ID and the account number you want the check drawn from. Tell the teller you need a cashier's check, give them the amount and the name of the person or business it should be made out to, and they will print it on the spot. Most branches can do this within a few minutes.
You can also call your local Chase branch or call Chase customer service at 1-800-935-9935 to order by phone. You'll need to provide the same information — the amount, who it's made out to, and which account to draw from. The bank will mail the check to you, which usually takes 3 to 5 business days.
Some Chase customers can order cashier's checks through the Chase mobile app or website, though this option is not available on all account types. Check your app or log into your account online to see if the option appears.
When the $10 or $15 fee might not explore
Chase offers several premium checking accounts that waive certain fees, including cashier's check fees. Chase Premier Plus Checking and Chase Sapphire Checking are two examples, though the specific benefits change and vary by region. If you have one of these accounts, you may not pay the $10 or $15 fee — but you should confirm this with your branch or by reading your account agreement, because fee waivers depend on your account type and sometimes on maintaining a minimum balance.
If you're not sure what account you have, call your branch or log into your Chase account online. Your account type is listed in your account details.
Cashier's checks vs. other payment methods
A cashier's check costs $10 to $15 and takes a few minutes to a few days. A wire transfer — moving money directly from one bank account to another — usually costs $15 to $30 and is faster (often same-day or next-day), but it's harder to reverse if you make a mistake. A certified check, which is a personal check the bank stamps to may provide the funds, may cost less at some banks but is not available at all Chase branches.
For everyday payments, you can use a regular personal check for free, but the recipient has to wait for it to clear and takes the risk that the check might bounce. For large or time-sensitive payments — like a down payment on a house, a security deposit, or paying a contractor — a cashier's check is usually the safer choice despite the fee.
What happens after you get the cashier's check
Once the bank hands you the check, it's yours to use. You can mail it, hand it to someone in person, or deposit it into another account. The recipient deposits it into their bank account like any other check. The funds usually clear within 1 to 3 business days, though some banks hold cashier's checks longer.
Keep the receipt the bank gives you when you order the check. If the check is lost or stolen before the recipient cashes it, you'll need the receipt to ask the bank to stop payment and issue a replacement.
If you need a cashier's check but don't have a Chase account
Most banks and credit unions issue cashier's checks to customers. If you don't have a Chase account, you can get a cashier's check from your own bank for a similar fee — usually $10 to $15. Some banks charge less, and some charge more, so it's worth calling your bank to ask.
If you don't have a bank account at all, some check-cashing services and money transfer businesses offer cashier's checks, though the fees are often higher. Your best option is to open a basic checking account at a bank or credit union, which usually has no monthly fee and lets you order cashier's checks whenever you need them.
Frequently Asked Questions
Can I get a cashier's check for less than $10?
Yes. Chase charges the same $10 or $15 fee regardless of the amount. You could order a $50 cashier's check and pay $10 to $15 for it, which means the fee is a larger percentage of the total. For very small amounts, a regular personal check or a different payment method might make more sense.
What if I order a cashier's check and then don't use it?
You've already paid the fee, and Chase will not refund it. The check itself remains valid — you can use it anytime. If you no longer need it, you can destroy it or keep it. There's no penalty for not using a cashier's check you've ordered.
How long is a cashier's check good for?
Cashier's checks don't expire, but some banks and businesses may refuse to accept one that's very old — typically more than 6 months. If your check is older than that and the recipient won't take it, contact Chase and ask them to issue a new one. You may have to pay the fee again.
Can I cancel a cashier's check after I've ordered it?
If you haven't given the check to anyone yet, contact Chase right away. The bank can stop payment, but you'll usually still have to pay the original fee. If the check has already been cashed by the recipient, it cannot be cancelled.
Do I need to be a Chase customer to get a cashier's check from Chase?
Yes. You must have a Chase checking or savings account to order a cashier's check. If you don't have an account, you can open one at a Chase branch or online, though there may be a waiting period before you can order checks.