Chase cashier's check fees

Chase charges $10 per cashier's check if you order in person at a branch. If you order by phone or online, the fee is $15 per check. These are the standard fees as of now, though Chase can change them without notice—call your local branch or check chase.com to confirm the current rate applies to your account type.

Some Chase account holders pay nothing. If you have a Chase Premier Plus Checking account or certain business accounts, cashier's checks may be included at no charge. Verify with your branch whether your specific account qualifies for a waived fee before you order.

The fee is separate from the check itself. Chase will not refund the fee if you cancel the order after the check has been printed, so confirm the amount and payee details before you commit.

Key Takeaways

  • Chase charges $10 for a cashier's check ordered in person at a branch, or $15 if you order by phone or online.
  • Some account types, including Chase Premier Plus Checking, may have cashier's checks included at no fee—ask your branch before ordering.
  • You will need to provide the payee name, amount, and your account information; the check is drawn on Chase's account, not yours.
  • A cashier's check typically takes one business day to print and is available for pickup at your branch or can be mailed to you.
  • If you cancel after the check is printed, Chase will not refund the fee, so verify all details before you place the order.

When you need a cashier's check instead of a personal check

A cashier's check is a check drawn on the bank's own account and signed by a bank officer, not by you. The recipient sees that Chase—not an individual—guarantees the funds, which is why many sellers, landlords, and government agencies require them for large transactions.

Use a cashier's check for a down payment on a house, a security deposit, a vehicle purchase, or any payment where the recipient needs proof the money is already set aside. A personal check from your account carries the risk that your account lacks sufficient funds; a cashier's check does not.

If you are paying a small amount and the recipient accepts a personal check or a bank transfer, you can avoid the fee. But if the recipient specifically requests a cashier's check, you have no alternative.

How to order a cashier's check from Chase

To order in person, visit any Chase branch with your ID and the account you want to draw from. Tell the teller the payee name, the exact amount, and whether you want the check mailed or picked up. The teller will print the check on the spot or within one business day, depending on the branch's processing schedule. You pay the $10 fee at that time.

To order by phone, call the Chase customer service number on the back of your debit card or on your statement. Have your account number, the payee name, and the amount ready. Chase will mail the check to your address on file or to an address you specify. The $15 fee will be charged to your account, and the check typically arrives within five to seven business days.

Online ordering is available through Chase.com if you are logged into your account. Select the option to order a cashier's check, enter the payee and amount, and choose delivery method. The $15 fee applies, and processing time is similar to phone orders.

What information you need before you order

Have the payee's exact legal name. If the name is misspelled or incomplete, the recipient may refuse the check or you may need to order a replacement. Ask the recipient how they want their name to appear if you are unsure.

Know the exact dollar amount, including cents if applicable. You cannot alter a cashier's check after it is printed, so if the amount changes, you will need to order a new check and forfeit the fee on the first one.

Confirm whether the check should be mailed to you or to the recipient directly. Some transactions require the recipient to receive it unopened; others allow you to pick it up and deliver it yourself. Ask before you order.

Delivery options and timing

If you order in person at a Chase branch, you can usually pick up the check the same day or the next business day. Some branches print checks on demand; others batch them and process them overnight. Ask the teller for the exact timeline when you place your order.

If you order by phone or online, Chase mails the check to your address on file. Standard delivery takes five to seven business days. If you need the check faster, ask whether Chase offers expedited mail options; some branches can arrange overnight delivery for an additional fee.

If the check is lost in the mail, contact Chase immediately. You will need to file a claim and may have to wait 30 to 90 days while Chase investigates before a replacement is issued. This is another reason to order early if you have a deadline.

What happens if you need to cancel or replace a cashier's check

If you cancel before the check is printed, Chase will refund the fee. Call your branch or visit in person as soon as you decide to cancel, and ask them to stop the order.

If the check has already been printed, Chase will not refund the $10 or $15 fee. You can request a replacement check if the original was lost, damaged, or if you made an error in the payee name or amount. The replacement will incur another fee.

If the check was never cashed and you want to void it, contact Chase and ask them to place a stop payment on it. This prevents anyone from cashing it if it is found or stolen. Stop payment typically costs $25 to $35 and does not refund the original cashier's check fee.

Comparing Chase cashier's check fees to other banks

Bank of America charges $10 for a cashier's check ordered in person and $15 for phone or online orders—the same as Chase. Wells Fargo charges $10 in person and $15 remotely. Smaller regional banks and credit unions often charge $5 to $8 per check, and some waive the fee for members with premium accounts.

If you use multiple banks, compare fees before you order. A credit union membership or a switch to a bank with lower fees can save money if you order cashier's checks regularly. However, if you need the check immediately and only have a Chase account, the $10 in-person fee is usually the fastest and cheapest option.

Frequently Asked Questions

Can I get a cashier's check without a Chase account?

No. You must have an account at Chase and draw the check from that account. If you do not have a Chase account, you can open one, but it typically takes one to three business days. If you need a cashier's check immediately, visit a different bank where you already have an account or consider a money order as an alternative.

What if I don't know the exact amount yet?

Contact the recipient and ask for the exact figure before you order. If the amount changes after the check is printed, you will need to order a new one and lose the fee on the first. It is worth the extra step to get it right the first time.

Can Chase mail a cashier's check directly to the recipient?

Yes. When you order by phone or online, you can provide the recipient's address and Chase will mail it there. Some transactions require the recipient to receive it unopened as proof of delivery. Confirm the recipient's address and mailing preferences before you place the order.

What if the cashier's check is lost or stolen?

Contact Chase immediately and file a claim. You will need to provide the check number, amount, and payee name. Chase will investigate and may require you to wait 30 to 90 days before issuing a replacement. If the original check is cashed during this time, you may not recover the funds.

Is there a limit to how many cashier's checks I can order?

Chase does not publish a limit, but ordering many checks in a short time may trigger fraud monitoring. If you need multiple checks, call your branch and let them know in advance. They can process them more efficiently and confirm there are no holds on your account.