To obtain a cashier's check, you typically need to visit a bank branch in person. Most banks require you to have an account with them to purchase a cashier's check, though some may offer the service to non-customers for a higher fee. Start by identifying your current bank or a nearby branch of a bank where you have an account. Use that bank's mobile app or website to find the nearest branch location and its lobby hours, as not all branches offer the same services at all times.
Steps to Get a Cashier's Check
Follow these steps to ensure a smooth transaction:
- Confirm availability. Call the branch ahead to verify they can issue a cashier's check and ask about any limits on the check amount. Some banks impose maximum amounts.
- Bring valid identification. You will need a government-issued photo ID, such as a driver's license or passport. For a business account, you may need additional documents like a business license or resolution.
- Have sufficient funds. The bank will debit the amount from your account immediately. Know the exact payee name and the amount you need written on the check.
- Prepare for fees. Cashier's checks often carry a fee, typically between $5 and $15 for account holders, and higher for non-customers. Ask about fees before you proceed.
What to Know About Cashier's Checks
Cashier's checks are a secure form of payment because the bank guarantees the funds. This makes them useful for large transactions, such as buying a car, making a down payment on a home, or paying a deposit to a landlord. The check is drawn on the bank's own funds, not your personal account, which significantly reduces the risk of the check bouncing. Unlike personal checks, which can be stopped by the issuer, cashier's checks offer more certainty to the recipient.
Alternatives to a Branch Visit
While an in-person visit is the standard method, some banks now offer digital alternatives. A few large banks allow you to order a cashier's check through their mobile app or online banking and have it mailed to you. This can take several business days. Additionally, if you have a bank account at a credit union, you may be able to get a cashier's check at any shared branch location within the credit union's network. Always verify that the bank or credit union you plan to use offers cashier's checks, as a small number of institutions may not provide this service.
For safety, only purchase a cashier's check from a legitimate bank branch or a verified online banking portal. Be wary of third parties or services that offer to issue cashier's checks, as counterfeiting is a known fraud risk. When you receive the check, inspect it for security features such as a watermark or embedded security thread, and keep the receipt in case of loss or damage.