Walk into a Chase branch with your ID and the money, and a teller will write you a cashier's check on the spot

A cashier's check is a check drawn on the bank's own account, not yours. Chase guarantees it because they are the ones paying. You need to bring cash or have the money deducted from your account, show a photo ID, and tell the teller the payee name and amount. Most branches issue them the same day, though some may take up to one business day if you request it after hours or on a weekend.

Cashier's checks cost money. Chase typically charges between $10 and $15 per check, though the exact fee varies by account type and branch location. Some Chase checking accounts waive the fee entirely—usually premium or business accounts. Call your branch or log into your Chase account online to confirm the fee before you go in.

You cannot order a cashier's check online or by phone through Chase. You must visit a branch in person. If you do not have a Chase account, you can still get one—bring cash and your ID, and the teller will issue it. If you have an account, the money comes out immediately when the check is issued.

Key Takeaways

  • Chase issues cashier's checks at any branch during business hours; you need a photo ID and either cash or an account with sufficient funds.
  • The fee is typically $10 to $15 per check, but some account types waive it—ask your branch or check your account terms online.
  • The check is ready the same day in most cases, though weekend or after-hours requests may take until the next business day.
  • You must go to a branch in person; Chase does not issue cashier's checks by mail, phone, or online.
  • The payee name must be correct and cannot be changed once the check is issued, so verify the spelling before the teller completes it.

What you need to bring to the branch

Bring a valid photo ID—a driver's license, passport, or state ID card. Chase will not issue a cashier's check without one. If you have a Chase account, bring your debit card or account number so the teller can pull up your account and deduct the funds. If you do not have an account, bring cash in the exact amount or slightly more to cover the fee.

Write down the payee name exactly as it should appear on the check. This is the person or business the check is made out to. Misspellings or incorrect names can cause the payee to refuse it or delay cashing it. If you are unsure of the exact legal name, ask the recipient before you go to the branch. Once the check is printed, you cannot change the payee name.

Know the amount you need. The teller will ask you to confirm it before printing. If you need the check to cover a specific bill or payment, calculate the exact amount beforehand so there is no delay at the counter.

How the transaction works at the counter

Tell the teller you want a cashier's check. Provide your ID and the payee name. If you have a Chase account, the teller will ask which account to draw from and confirm the amount. If you do not have an account, they will ask for cash. The teller will then print the check, which usually takes a few minutes.

You will be asked to sign the check in front of the teller. Do not sign it beforehand. The teller will also give you a receipt showing the check number, amount, payee, and fee charged. Keep this receipt until the payee confirms they received and cashed the check. If the check is lost or never arrives, you will need the receipt to request a replacement or refund.

The fee is deducted at the time of issue if you are using a Chase account, or added to the cash amount if you are paying in cash. Ask the teller to confirm the total before you hand over money or authorize the account deduction.

When you need the check to arrive by a certain date

If you need the check to reach someone by a specific date, pick it up in person rather than mailing it. A cashier's check is not a may provide of payment speed—it is a may provide that the funds exist. Once the payee receives it, they still need to deposit or cash it, which takes one to three business days depending on their bank.

If you are mailing the check, send it via a tracked method like USPS Certified Mail or a courier service. This way you have proof of delivery and can track whether it arrived. Do not mail a blank or unsigned cashier's check; sign it only after you have confirmed the payee is ready to receive it.

If the check is time-sensitive—for example, a security deposit due by a lease signing date—hand-deliver it or have the payee confirm receipt before the deadline. Mailing introduces delays you cannot control.

What to do if the check is lost, stolen, or never cashed

If the check goes missing, contact Chase immediately with your receipt. Provide the check number, amount, payee name, and date issued. Chase will place a stop payment on the original check and issue a replacement. This usually takes five to ten business days. You may be charged a stop payment fee, typically $25 to $35, though some accounts waive it.

If the payee says they never received the check, ask them to wait a few more days—mail can be delayed. If it has been more than two weeks and they have not received it, file a claim with Chase using your receipt. Do not issue a second check until the first one is confirmed lost, or you risk the payee receiving both and cashing both.

If the check was cashed but the payee claims they did not receive it, that is a dispute between you and the payee, not a Chase issue. Chase has no recourse once a cashier's check is cashed. This is why it is critical to confirm receipt before considering the payment complete.

Alternatives if you cannot visit a branch

If you cannot go to a Chase branch, consider a wire transfer instead. Wire transfers move money directly from your account to the recipient's bank account in one to two business days. Chase charges $15 to $20 for a domestic wire, similar to a cashier's check fee, but you can initiate it online or by phone if you have an account. The recipient receives the funds faster and there is no physical check to lose.

A money order is another option. You can buy one at most grocery stores, pharmacies, or post offices for $1 to $5. Money orders work like cashier's checks—they are may provide by the issuer—but they have lower limits, usually $500 to $1,000 per order. If you need to send more than that, you would need multiple money orders.

If the recipient accepts ACH transfers or Venmo, those are free and instant for amounts under certain limits. Ask the payee what methods they accept before you commit to a cashier's check. Sometimes a simpler option exists.

Frequently Asked Questions

Can I get a cashier's check if I do not have a Chase account?

Yes. Bring cash in the amount of the check plus the fee ($10 to $15), your photo ID, and the payee name. The teller will issue it on the spot. You do not need to open an account.

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

Usually a few minutes if you visit during business hours. Weekend or after-hours requests may take until the next business day. Once issued, the check is ready to use or mail immediately.

What if I make a mistake on the payee name?

Tell the teller before they print the check. If they have already printed it, you cannot change it. You will need to request a stop payment and order a new one, which costs an additional fee. Always verify the payee name before the teller starts printing.

Do I need to tell Chase in advance that I want a cashier's check?

No. Walk into any Chase branch during business hours with your ID and funds, and ask for one. No advance notice is needed. If you want to confirm your branch has them in stock or ask about fees specific to your account, call ahead.

Can the payee refuse a cashier's check?

Rarely, but yes. Some businesses only accept wire transfers or ACH payments. Always confirm the payee will accept a cashier's check before you get one. If they refuse it, you can request a stop payment and get your money back, minus the stop payment fee.