What a cashier's check is and why you might need one

A cashier's check is a check that Chase writes and signs on its own account, using your money. Because the bank itself guarantees the funds, the person receiving it knows the money is real — it won't bounce. This makes cashier's checks useful for large purchases like down payments on a house, security deposits, or any time a seller or landlord wants proof that the money exists before they hand over what you're buying.

The difference between a cashier's check and a regular check you write yourself is trust. When you write a personal check, the recipient has to trust that your account has enough money. With a cashier's check, they're trusting Chase, not you. That's why some transactions won't accept anything else.

Key Takeaways

  • You can order a cashier's check at any Chase branch in person, or by phone if you're an existing customer.
  • Chase typically charges a fee for cashier's checks, though the amount varies by account type and branch location.
  • You'll need to bring or have access to the funds in your Chase account before the check is issued.
  • Most cashier's checks are ready the same day you request them, though some branches may take longer during busy periods.
  • You can specify the exact amount and the name of the person or business the check should be made out to.

Getting a cashier's check in person at a Chase branch

Walk into any Chase branch with your ID and ask for a cashier's check. Tell the teller the exact amount you need and who it should be made out to — the recipient's name must be spelled correctly. You'll need to have that amount available in your Chase account; the bank will deduct it when ready.

The teller will print the check, you'll sign it, and you'll walk out with it. Most branches complete this the same day. Bring your ID — Chase will ask for it. If you're not sure of the exact amount or the recipient's full legal name, ask the person you're paying before you go to the branch, because corrections after the check is issued can be complicated.

Ordering a cashier's check by phone

If you're an existing Chase customer, you can call Chase customer service and request a cashier's check over the phone. You'll need to verify your identity and account information. The bank will mail the check to you or arrange for you to pick it up at a branch — ask which option is available when you call.

Phone orders typically take longer than in-person requests. Mailed checks can take several business days to arrive, so order early if you have a important date. If you need the check urgently, the in-person route at a branch is faster and more reliable.

What information you need before you go

Have the recipient's full legal name spelled exactly right. For a business, use the official business name as it appears on their paperwork, not a shortened version. If you're unsure, call the business or landlord and ask them how they want the check made out.

Know the exact dollar amount. Cashier's checks can't be altered after they're issued, so if you write $5,000 and later need $5,500, you'll have to get a new check. Confirm the amount with whoever is receiving it before you go to the branch.

Chase cashier's check fees

Chase charges a fee for cashier's checks. The amount varies depending on your account type and your branch location — some branches charge differently than others. Call your local Chase branch or check your account paperwork to find out what the fee is before you go in.

Some Chase account types, like certain premium checking accounts, may waive the fee or include a certain number of free cashier's checks per month. Ask the teller whether your account qualifies for a waiver before you pay the fee.

What happens after you receive the cashier's check

Once you have the check, treat it like cash — if you lose it, it's gone. Don't sign the back of it until you hand it to the person who's receiving it. The recipient will deposit it into their own bank account or cash it.

Keep a record of the check number and the amount for your own records. If the recipient says they never received it, you may need to prove you issued it. Chase can help you track this if you keep the receipt from the day you ordered it.

Frequently Asked Questions

How long does it take to get a cashier's check from Chase?

In person at a branch, usually the same day — often within minutes. By phone with mailing, several business days. Call ahead to confirm your branch's timeline, especially during busy periods.

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 in your account. The bank deducts the money when ready when the check is issued.

What if I make a mistake on the cashier's check?

You can't change a cashier's check after it's issued. If the amount or recipient name is wrong, you'll need to get a new check. Some branches may be able to cancel the original and issue a replacement, but this can take time and may involve additional fees.

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

Yes, you need a Chase account. If you don't have one, you can open a checking account at any Chase branch, though this typically takes at least a few minutes and requires an ID and initial deposit.

Can someone else pick up my cashier's check?

This depends on Chase's policy and your branch. Call ahead and ask. Generally, the person who requested the check needs to be present, but some branches may allow a family member or authorized person to pick it up if you provide written permission.