Chase cashier's check fees vary by account type

Chase charges $10 for a cashier's check if you have a Chase checking or savings account. If you don't have an account with Chase, the fee is $15. Some Chase account tiers waive the fee entirely — notably the Chase Sapphire Preferred and Chase Sapphire Reserve credit cards come with cashier's check fee waivers, though you still need a linked Chase bank account to order one.

The fee covers the cost of the check itself, the bank's verification that funds are available, and their may provide that the check won't bounce. You pay this fee at the time you request the check, whether you order it in person at a branch, by phone, or online through Chase's banking portal.

Fees can change, and Chase occasionally runs promotions that waive them for new accounts or specific customer segments. Call your local Chase branch or log into your account to confirm the current fee before you order.

Key Takeaways

  • Chase charges $10 for a cashier's check if you have a Chase bank account, or $15 if you don't.
  • Some premium Chase credit cards waive the cashier's check fee, but you still need a linked bank account to order one.
  • You can order a cashier's check in person at a branch, by phone, or online through your Chase account.
  • The check is typically ready the same business day if you order before the branch closes, though some orders take one business day.

How to order a cashier's check at Chase

The fastest way is to visit a Chase branch in person with your ID and the account you want to draw from. Tell the teller you need a cashier's check, provide the payee name and amount, and they will print it on the spot — usually within minutes. You pay the fee immediately.

If you can't visit a branch, call Chase customer service at the number on the back of your debit card or check. They can mail you a cashier's check, though this takes longer — typically three to five business days for delivery. Online ordering through your Chase account may also be available depending on your account type; log in and look for "cashier's check" in the services menu.

You will need to provide the exact name of the payee (spelled correctly), the amount, and your account number. Have your ID ready if ordering by phone.

When a cashier's check is worth the fee

A cashier's check is a check drawn on the bank's own account, not yours, so the recipient knows the funds are may provide. This matters when you are paying for something large — a down payment on a house, a car, tuition — where the seller or institution won't accept a personal check or wants proof the money is real.

It also matters when you are sending money to someone you don't know well or paying a contractor upfront. The recipient can verify the check is legitimate by calling Chase directly, and they know it won't bounce.

If you are paying someone locally and can hand them the check in person, a cashier's check is often safer than cash and faster than a wire transfer. If you are paying online or by mail, a wire transfer or ACH transfer may be cheaper and just as secure, depending on the amount and the recipient's setup.

Cashier's check timing and limits

If you order in person before your branch closes, you usually get the check the same day. Phone and online orders typically take one business day. Mail delivery adds three to five business days on top of that.

Chase does not publish a maximum amount for a single cashier's check, but very large checks (over $100,000) may require advance notice or a call to verify. Contact your branch directly if you need a check for an unusually large amount.

The check itself is valid for six months from the date it is issued. After that, the recipient may not be able to cash it, though they can usually contact Chase to request a replacement.

Alternatives to a cashier's check

A wire transfer moves money directly from your account to the recipient's bank account and is usually faster — often same-day or next-day. Chase charges $15 to $20 for a domestic wire, depending on whether you initiate it online or at a branch. The recipient gets the money in their account, not a physical check.

An ACH transfer is free or very cheap (sometimes $0 to $1) and works through the automated clearing house network. It takes one to three business days and is best for smaller amounts or when speed is not critical. You can set up ACH transfers online or by phone.

A personal check costs nothing but carries no may provide — the recipient has to trust that your account has the funds and that the check won't bounce. Many institutions and sellers won't accept personal checks for large transactions.

A certified check is similar to a cashier's check but drawn on your account instead of the bank's. Chase charges the same $10 fee and offers the same may provide. Some recipients prefer certified checks because they can see your account number, though cashier's checks are more commonly requested.

What to do if you lose or need to cancel a cashier's check

If you lose a cashier's check before cashing it, contact Chase immediately. They can place a stop payment on it, which prevents anyone else from cashing it. You will likely have to pay a stop payment fee (typically $25 to $35) and wait for the check to age out — usually 90 to 180 days — before Chase will issue a replacement or refund.

If you want to cancel a cashier's check you just ordered but haven't picked up yet, call your branch right away. If the check has already been issued and picked up, you will need to go through the stop payment process.

Keep the receipt or confirmation number from when you ordered the check. You will need it to file a stop payment claim.

Frequently Asked Questions

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

Yes, but the fee is $15 instead of $10. You will need to visit a Chase branch in person with a valid ID and the funds to cover the check amount. Some branches may require you to open an account or may have other restrictions, so call ahead.

How long does a cashier's check take to clear?

Once the recipient deposits or cashes it, a cashier's check typically clears within one to two business days. The bank that receives it may hold it longer if it is for a very large amount or if there are other red flags, but this is rare.

What if Chase won't issue me a cashier's check?

Chase may refuse if your account is overdrawn, if there is a fraud hold, or if you have an outstanding stop payment claim. Contact your branch to find out why and what you need to do to resolve it. You can also ask about a certified check as an alternative.

Is a cashier's check safer than a wire transfer?

Both are safe, but in different ways. A cashier's check is a physical document that can be lost or stolen before it is cashed. A wire transfer is electronic and cannot be recalled once sent. For large amounts, ask the recipient which they prefer.

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

No. The check must be drawn on your account, and you must be present to authorize it. If you want to send money to someone else, use a wire transfer, ACH transfer, or have them order their own cashier's check.