What a Chase cashier's check is and how to get one

A cashier's check from Chase is a check drawn on Chase's own account, not yours. Chase guarantees the funds are there because they've already taken the money from your account when you order it. You can order one in person at any Chase branch, by phone, or online through Chase's website or mobile app, depending on your account type and the branch's policies.

The process is straightforward: you tell Chase the amount, who to make it payable to, and provide the recipient's address. Chase prints the check, you pay a fee (usually $10 to $15, though this varies by branch and account type), and you walk out with a check that most recipients will accept without hesitation because Chase's name is on it, not yours.

Chase cashier's checks are useful when a seller or landlord won't take a personal check, when you need to send a large amount through the mail safely, or when you're buying something where the seller needs may provide payment. Unlike a personal check, there's no risk the check will bounce.

Key Takeaways

  • Chase cashier's checks are may provide by Chase itself because the bank withdraws the full amount from your account when you order it.
  • You can order one in person at a branch, by phone, or online, though availability depends on your account and your local branch's policies.
  • Fees typically range from $10 to $15 per check, and this cost varies by Chase location and account type.
  • The check is ready the same day if you order in person, or within one to two business days if you order by phone or online.
  • You'll need to know the exact payee name, amount, and recipient's address before you order.

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

Walking into a Chase branch is the fastest way to get a cashier's check. Bring your Chase debit card or account number, a photo ID, and the information about who the check should be made out to. Tell the teller you want a cashier's check, provide the payee name, the amount, and the recipient's mailing address if you know it.

The teller will confirm the amount with you, process the fee to your account, and print the check on the spot. You'll receive the check when ready, usually within 10 to 15 minutes. Some branches are busier than others, so you may wait longer during peak hours. If you don't have your account information memorized, bring your debit card or a recent statement.

Not all Chase branches offer this service in the same way. Some very small branches or limited-service locations may require you to call ahead or use another method. If you're unsure whether your branch offers cashier's checks, call ahead before you go.

Ordering by phone or through Chase's website

If you have a Chase checking or savings account, you can order a cashier's check by calling Chase's customer service line or through your online banking portal. The phone number is on the back of your debit card. When you call, have your account number and the payee information ready.

Online ordering is available through Chase.com or the Chase mobile app if your account type supports it. Log in, navigate to the cashier's check section (usually under "Services" or "Transfers & Payments"), and enter the payee name, amount, and mailing address. Chase will deduct the fee from your account and mail the check to you or hold it for pickup at your branch.

Checks ordered online or by phone typically arrive within one to two business days if mailed to you, or you can pick one up at your branch the next business day. Timing depends on when you place the order and whether your branch is open. Weekend and holiday orders may take longer to process.

Fees and what they cover

Chase charges a fee for each cashier's check, typically between $10 and $15. The exact amount depends on your account type, your branch location, and whether you're a premium customer. Some Chase accounts, particularly premium checking or wealth management accounts, may have lower fees or waived fees for a certain number of cashier's checks per month.

The fee is deducted from your account when you order the check, not when you pick it up. If you order multiple checks at once, you'll pay the fee for each one. There is no refund if you change your mind after ordering, so make sure the payee information is correct before you confirm.

Ask the teller or customer service representative what the fee will be before you order. Fees can vary between branches, so if you're ordering multiple checks, it's worth asking whether a different branch or account type would cost less.

Information you need before ordering

Have these details ready before you contact Chase or visit a branch: the exact name of the person or business the check should be made out to (spelled correctly), the amount in dollars and cents, and ideally the recipient's mailing address. If you're unsure of the exact spelling of a business name, ask the recipient or look it up online.

If the check is for a business, use the legal business name, not a nickname or shortened version. For example, if the company is registered as "ABC Property Management LLC," don't write "ABC Property." Getting the name wrong means the recipient may not be able to deposit the check, and you'll have to order a new one.

You don't always need the recipient's address to order the check, but having it is helpful if you plan to mail it. If you're picking it up in person, the address is optional.

Pickup versus mailing options

When you order a cashier's check, you can either pick it up at your Chase branch or have it mailed to you. If you order in person, you take it with you when ready. If you order by phone or online, you choose which option works best.

Mailing is convenient if you can't get to a branch, but it adds one to two business days to the timeline and carries a small risk that the check could be lost or delayed in the mail. Pickup is faster and safer if your branch is nearby. Some people order online and pick up the next day, which combines the convenience of remote ordering with the security of in-person collection.

If you have the check mailed, Chase typically sends it via regular mail, not certified mail. If the recipient needs the check urgently, pickup is the better choice.

Common mistakes to avoid

The most common mistake is misspelling the payee name. Once the check is printed, you can't change it. If you realize the name is wrong after you receive it, you'll have to order a new check and pay another fee. Double-check the spelling with the recipient before you order.

Another mistake is ordering the wrong amount. Confirm the exact dollar amount with the recipient before you tell the teller. If you order $5,000 and the recipient needed $4,500, you've paid a fee for a check you can't use.

Don't assume all Chase branches have the same policies or fees. If you're ordering multiple checks or need a large amount, call your branch first to confirm they can handle it and what the fee will be. Some branches have daily limits on cashier's checks, though this is rare.

Frequently Asked Questions

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

In person at a branch, you get it the same day, usually within 15 minutes. By phone or online, it takes one to two business days if mailed, or you can pick it up at your branch the next business day. Weekends and holidays may add time.

Can I cancel a cashier's check after I order it?

Once the check is printed, you cannot cancel it. If you haven't given it to the recipient yet, you can ask Chase to issue a replacement, but you'll pay another fee. If the recipient has already cashed it, there's nothing to do.

What if I lose the cashier's check before I give it to the recipient?

Contact Chase when ready. You'll need to file a claim and may have to wait 30 to 90 days while Chase investigates whether the check has been cashed. If it hasn't been, Chase can issue a replacement. If it has been cashed by someone else, you have a fraud claim to pursue.

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. Non-customers cannot order a Chase cashier's check. If you don't have an account, you can open one at a branch or online, though this takes a few minutes to a few hours depending on the method.

Can I order a cashier's check for someone else?

You can order a check made out to someone else if you're paying from your own account. The check will be drawn on your funds. You cannot order a check on someone else's account unless you have power of attorney or are an authorized signer on their account.