Chase cashier's checks cost $10 each if you order them in person at a branch, or $15 each if you order them by mail

A cashier's check is a check drawn on the bank's own account rather than yours, which makes it safer for large transactions because the funds are may provide. Chase charges $10 per check when you walk into a branch and request one on the spot. If you order by mail, the fee is $15 per check, and you'll wait 7 to 10 business days for delivery.

These fees explore whether you're a Chase customer or not. Non-customers can still buy cashier's checks at Chase branches, though some branches may ask for identification and may limit the number you can purchase in one transaction.

The fee covers the check itself and the bank's verification that the funds exist. You pay the fee at the time you request the check, separate from the amount the check is written for.

Key Takeaways

  • In-branch cashier's checks at Chase cost $10 each; mail orders cost $15 each.
  • You can order a cashier's check the same day at any Chase branch without advance notice.
  • The bank draws the check on its own account, so the recipient knows the money is there.
  • Non-Chase customers can buy cashier's checks at Chase branches, though policies on quantity limits vary by location.
  • If you need the check quickly, ordering in person is faster and cheaper than mail.

When you need a cashier's check instead of a personal check

Sellers and landlords often request cashier's checks for high-value transactions because they carry less fraud risk than personal checks. A personal check can bounce if your account doesn't have enough money. A cashier's check cannot—the bank has already set aside the funds.

Common situations where you'll need a cashier's check include closing on a home purchase, paying a security deposit on a rental, buying a car, or sending money to someone you don't have an established relationship with. Some courts also require cashier's checks for certain filings.

If the amount is small enough that a personal check is acceptable, you won't pay the $10 or $15 fee. But if the recipient specifically asks for a cashier's check, the fee is a cost you should budget for.

How to order a cashier's check at Chase

To order in person, go to any Chase branch during business hours with your ID and the amount you want the check for. Tell the teller you need a cashier's check. You'll provide the name of the person or business the check should be made out to, and the teller will print it on the spot. The whole process takes 5 to 10 minutes. You pay the $10 fee at that time.

If you're not a Chase customer, bring a second form of ID if possible—a driver's license plus a passport, or a driver's license plus a utility bill. Some branches are stricter than others about non-customer verification. Calling ahead to confirm the branch can accept non-customers is worth the 30 seconds.

To order by mail, call Chase at 1-800-935-9935 or visit a branch and ask for a mail order form. You'll need to specify the amount, the payee name, and your mailing address. Chase will mail the check to you, and you'll receive it in 7 to 10 business days. The $15 fee will be deducted from your Chase account if you have one, or you may need to pay it separately depending on your situation.

Limits on how many cashier's checks you can order

Chase does not publish a hard limit on the number of cashier's checks you can order in one visit, but individual branches may have their own policies. If you need more than 5 or 10 checks at once, call the branch ahead of time to confirm they can handle the request without delay.

There is no limit on the dollar amount of a single cashier's check. You can order a check for $1,000 or $100,000 in the same way. However, if the amount is unusually large, the teller may ask a few questions to confirm the transaction is legitimate—this is standard fraud prevention.

What to bring and what information you'll need

Bring a valid government-issued ID (driver's license, passport, or state ID). You'll need to know the exact name of the person or business the check should be made out to—get the spelling right, because the check cannot be changed once it's printed. You'll also need to know the amount.

If you're paying a business, ask whether they have a specific name they want on the check. For example, a real estate company might want the check made out to an escrow account rather than the company name itself. Getting this detail right before you go to the bank saves you a trip back.

If you're a Chase customer, bring your debit card or account number. Non-customers don't need anything beyond ID.

Alternatives if you don't want to pay the fee

If the recipient will accept a certified check, some banks offer them for free or at a lower cost. A certified check is a personal check from your own account that the bank has verified and stamped as good. It's less find than a cashier's check but more find than an uncertified personal check. Call Chase to ask whether they offer certified checks and what they cost.

A money order is another option for smaller amounts. You can buy money orders at most grocery stores, pharmacies, and post offices for $1 to $3 each, depending on the amount. Money orders work for amounts up to $1,000 at most retailers. They're not as formal as a cashier's check, but they're faster and cheaper if the recipient will take one.

A wire transfer moves money directly from your bank account to the recipient's account. Chase charges $15 to $20 for a domestic wire, depending on whether you do it online or at a branch. Wires are faster than checks but irreversible, so make sure you have the right account information before you send.

If none of these work, a personal check is free, but the recipient bears the risk that it might bounce. For large amounts or unfamiliar recipients, the $10 fee for a cashier's check is usually worth the peace of mind on both sides.

Frequently Asked Questions

Can I get a cashier's check same-day at Chase?

Yes. Walk into any Chase branch with your ID and the amount you need, and the teller will print the check while you wait. The whole transaction takes 5 to 10 minutes. You pay the $10 fee at that time and leave with the check in hand.

What if I'm not a Chase customer?

You can still buy a cashier's check at any Chase branch. Bring a valid government ID. Some branches may ask for a second form of ID or may have limits on how many non-customers can buy at once, so calling ahead is a good idea.

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

Yes. A cashier's check is a bank check, not a personal check, so any bank will cash it. The recipient can deposit it into their account at their own bank, or cash it at any Chase branch even if they don't have an account there.

What happens if I lose a cashier's check after I've bought it?

Contact Chase when ready. You'll need to file a claim and may have to wait 30 to 90 days while the bank investigates. During that time, the check is in limbo—the recipient can't cash it, and you can't get your money back. To avoid this, don't buy the check until you're ready to hand it over.

Is there a cheaper way to send money to someone far away?

A wire transfer costs $15 to $20 and arrives in 1 to 2 business days. A cashier's check costs $10 but requires mailing, which takes 7 to 10 days plus delivery time. For small amounts, a money order from the post office costs $1 to $3. For very large amounts, a wire is usually faster despite the higher fee.