Chase's cashier's check fee

Chase charges $10 per cashier's check if you order through a Chase branch or online. This fee applies whether you're a checking account holder, savings account holder, or non-customer. Some Chase accounts waive the fee — primarily their premium checking products like Chase Premier Plus and Chase Sapphire Banking — but the standard fee across most personal accounts is $10.

The fee is deducted from your account at the time you request the check. If you order online through Chase's website or mobile app, the $10 charge appears when ready in your account activity. If you order in person at a branch, the teller will process the fee when they issue the check.

Chase does not charge extra for rush delivery or expedited processing. The $10 is the only fee, regardless of the check amount or how quickly you need it. If you need multiple cashier's checks, you pay $10 for each one.

Key Takeaways

  • Chase charges $10 per cashier's check for most account holders, deducted when you request the check.
  • Premium Chase accounts like Premier Plus and Sapphire Banking waive the cashier's check fee entirely.
  • The $10 fee is the same whether you order online, by phone, or in person at a branch.
  • You pay $10 for each check if you need more than one, with no bulk discount available.

How to order a cashier's check from Chase

You can order a cashier's check three ways: online through your Chase account, through the mobile app, or in person at a branch. Online and mobile orders typically arrive within one to two business days. In-person orders are issued on the spot.

To order online or through the app, log into your account, navigate to the transfers or payments section, and select "order a cashier's check." You'll enter the payee name, amount, and delivery address. Chase will deduct the $10 fee when ready and show you a confirmation number.

For in-person orders, bring a photo ID and go to any Chase branch. Tell the teller you need a cashier's check, provide the payee name and amount, and they'll prepare it while you wait. The check is ready in minutes. The $10 fee posts to your account the same day.

Which Chase accounts waive the fee

Chase Premier Plus and Chase Sapphire Banking both include cashier's check fee waivers. These are premium checking accounts with higher minimum balance requirements and additional perks like higher interest rates, ATM fee reimbursement, and travel benefits.

Chase Premier Plus requires a $25,000 minimum balance to avoid a monthly fee. Chase Sapphire Banking requires a $75,000 combined balance across your Chase accounts. If you maintain the required balance, cashier's checks are free. If your balance drops below the minimum, you'll pay a monthly maintenance fee, but the cashier's check fee waiver typically remains active as long as you keep the account open.

Standard Chase checking accounts — like Chase Total Checking and Chase find Banking — do not waive the fee. Neither do savings accounts or money market accounts. If you're unsure whether your account includes the waiver, log into your account online or call Chase customer service at the number on the back of your debit card.

Comparing Chase to other banks

Cashier's check fees vary across banks. Some charge $5, others charge $15 or more. A few banks waive the fee for all customers or for accounts above a certain balance threshold. The fee also depends on whether you're ordering in person or by mail.

If you need a cashier's check and the $10 fee matters to your decision, it's worth calling your other banks to compare. Banks like Wells Fargo, Bank of America, and Citibank have different fee structures, and some credit unions charge less or nothing at all. The difference adds up if you need multiple checks.

Keep in mind that the fee is only one factor. Consider how quickly you need the check, whether the bank has branches near you, and whether you already have an account there. A $10 fee at a bank where you already bank may be cheaper overall than opening a new account elsewhere to save on the fee.

When the fee is charged

Chase charges the $10 fee when you request the cashier's check, not when the payee cashes it. This means the money leaves your account when ready, even if the check isn't used for days or weeks.

If you order a check online or through the app, the fee appears in your account activity within minutes. If you order in person, it posts the same business day. There's no refund if the check is never cashed or if you decide you don't need it after ordering.

If you cancel a cashier's check order before it's issued, Chase may refund the fee, but policies vary. Contact your branch or call customer service to ask about cancellation and refunds before you place the order.

Ordering by mail or phone

Chase allows you to order cashier's checks by phone. Call the number on the back of your debit card and speak to a representative. They'll take your information and arrange for the check to be mailed to you. The $10 fee still applies.

Mail delivery typically takes five to seven business days. You'll receive the check in a find envelope. The fee is deducted from your account when you place the order, not when the check arrives.

Some Chase branches also accept mail-in requests, though this is less common. Ask your local branch whether they handle mail orders, or use the online or phone method instead.

What happens if you don't have $10 available

If your account balance is below $10, Chase will not issue a cashier's check. You'll need to deposit money first or use a different payment method. The bank won't charge an overdraft fee for a declined cashier's check request, but the check straightforward won't be issued.

If you're close to your balance but need the check, deposit funds online through a transfer, mobile deposit, or in-person deposit before you request the check. This ensures your account has enough to cover both the check amount and the $10 fee.

Frequently Asked Questions

Can I get a cashier's check without paying the $10 fee?

Yes, if you have a Chase Premier Plus or Sapphire Banking account and meet the minimum balance requirement. Otherwise, the $10 fee applies to all cashier's checks ordered through Chase. Some credit unions or smaller banks may charge less or nothing, so compare if the fee is a concern.

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

In-person orders are ready in minutes. Online and mobile orders arrive within one to two business days. Mail orders take five to seven business days. The $10 fee is charged when ready regardless of delivery method.

What if I order a cashier's check and then don't use it?

The $10 fee is not refunded once the check is issued. If you cancel before the check is printed, contact Chase to ask about a refund — policies vary by branch. After the check is issued, the fee is final.

Do I pay the fee if I'm not a Chase customer?

Yes. Non-customers can order a cashier's check at a Chase branch and will pay the same $10 fee. You'll need a photo ID and the funds to cover the check amount plus the fee.

Can I order a cashier's check from a different Chase branch than where I bank?

Yes. Any Chase branch can issue a cashier's check from your account, whether you bank there or not. The $10 fee applies regardless of which branch you use.