What a Chase Cashier's Check Is and How to Order One

A Chase cashier's check is a check drawn on Chase's own account rather than yours, signed by a Chase officer, and backed by Chase's funds. When you order one at Chase, you're paying Chase the amount upfront, and Chase writes and signs the check to the person or business you name. The recipient sees Chase's name as the issuer, which is why cashier's checks carry more weight than personal checks — the money is already set aside.

You can order a Chase cashier's check in person at any Chase branch, by phone, or sometimes through Chase's online banking platform, depending on your account type and the branch's policies. The process takes minutes in person, though some branches may ask you to come back the next business day to pick it up. Phone orders may take one to three business days.

Key Takeaways

  • Chase cashier's checks cost between $10 and $15 per check, though the fee may be waived if you have certain account types or balances.
  • You must have a Chase checking or savings account to order one, and you'll pay the full amount of the check upfront from your account.
  • In-person orders at a Chase branch are usually ready the same day or next business day; phone and online orders may take longer.
  • You'll need to know the exact payee name, the amount, and have a valid ID; the check cannot be made out to cash.

How to Order a Cashier's Check at a Chase Branch

Walk into any Chase branch during business hours with your ID and your Chase debit card or account number. Tell the teller you want to order a cashier's check. You'll need to provide the exact name of the person or business the check should be made out to — Chase will not issue a check to "Cash" or a blank payee. You'll also need the dollar amount and, if you're paying a business, sometimes their address.

The teller will deduct the full amount from your account when ready and give you the check, usually on the spot. If the branch is busy or the amount is very large, they may ask you to return the next business day. Ask for a receipt showing the transaction. If you lose the check before delivering it, contact Chase right away — they can put a stop on it and issue a replacement, though there may be an additional fee.

Ordering by Phone or Online

To order by phone, call the number on the back of your Chase debit card or look up your local branch's direct number on Chase.com. Have your account number, ID, and the payee information ready. The teller will confirm the amount and payee name, deduct the money from your account, and tell you when to pick up the check at your branch — usually within one to three business days.

Chase's online banking platform may also allow you to order a cashier's check if you have a Chase checking account, though this feature is not available at all branches or for all account types. Log into your account, look for the "Payments" or "Transfers" section, and follow the prompts. You'll still need to pick up the check in person at a branch with your ID.

Chase Cashier's Check Fees and Account Requirements

Chase charges between $10 and $15 per cashier's check, though the exact fee depends on your branch location and account type. Some Chase account packages — particularly premium checking accounts or accounts with high balances — waive the fee entirely. Ask your teller whether your account qualifies for a waived fee before you pay.

You must have an open Chase checking or savings account to order a cashier's check. If you don't have a Chase account, you can open one at any branch, but you'll need to fund it first before ordering the check. Chase does not issue cashier's checks to non-customers.

What Information You'll Need to Provide

Before you go to the branch or call, gather this information: the exact legal name of the payee (the person or business receiving the check), the dollar amount, and your valid ID. If the payee is a business, having their mailing address is helpful but not always required. Do not try to leave the payee line blank or write "Cash" — Chase will refuse to issue the check that way.

If you're unsure of the exact payee name, ask the person or business you're paying. A check made out to the wrong name cannot be cashed by anyone else, so getting it right the first time saves you a trip back to the branch.

How Long a Chase Cashier's Check Takes to Clear

Once the recipient deposits or cashes a Chase cashier's check, it typically clears within one to two business days. Because the check is drawn on Chase's account, not yours, there's no risk of it bouncing due to insufficient funds in your account. The recipient's bank may place a temporary hold on the funds while they verify the check, but the hold is usually released quickly.

If the recipient's bank is not Chase, clearing may take slightly longer — up to three business days in some cases. The recipient should ask their own bank how long they hold cashier's checks before releasing the funds.

What to Do If You Lose or Damage the Check

If you lose a Chase cashier's check before delivering it, contact your branch when ready. Chase can place a stop on the check, which prevents anyone else from cashing it. You can then request a replacement check. Chase typically charges a fee for a replacement — usually $15 to $30 — and you'll need to provide the original check number, amount, and payee name.

If the check is damaged or the teller made an error (wrong amount, wrong payee name), go back to the branch with the check and your receipt. Chase will usually issue a replacement at no additional charge if the error was theirs. Keep your receipt until the check clears, in case you need to prove you ordered it.

Frequently Asked Questions

Can I order a Chase cashier's check without going to a branch?

You can order by phone or online, but you must pick it up in person at a Chase branch with your ID. Chase does not mail cashier's checks. Some branches may allow you to pick up the next business day if you order the same day.

What if I make a mistake on the payee name?

If you notice the error before you leave the branch, tell the teller when ready and they'll issue a new check. If you've already left, go back with the check and ask for a replacement. Chase will usually reissue it at no charge if the error was theirs.

Is a Chase cashier's check the same as a money order?

No. A cashier's check is larger (up to any amount), drawn on the bank's account, and typically used for major purchases like real estate or vehicles. A money order is smaller, sold at many retailers, and used for smaller payments. Cashier's checks carry more authority and are preferred for large transactions.

Can someone else pick up my cashier's check?

No. Chase requires the person who ordered the check to pick it up in person with a valid ID. If you cannot pick it up yourself, ask the teller whether a power of attorney or authorized account holder can retrieve it on your behalf.

How do I know if my cashier's check cleared?

Once the recipient deposits it, the funds appear in their account within one to two business days. You can also ask the recipient to confirm they received and deposited it. Your Chase account will show the deduction when ready when you order the check.