Yes, you can get a cashier's check without a bank account, but you'll need to go through a non-bank provider
A cashier's check is a check drawn on a financial institution's own account rather than yours, which is why it carries more weight than a personal check. Banks issue them to their account holders, but you don't need to be a customer to obtain one. Credit unions, check-cashing services, money transfer companies, and some retailers will issue cashier's checks to anyone who can pay the amount upfront plus a fee.
The catch is that non-bank sources charge more than banks do, and your options depend on what's available in your area and how much you need. A bank customer typically pays $5 to $15 for a cashier's check; a non-bank provider may charge $10 to $25 or more.
Key Takeaways
- Credit unions often issue cashier's checks to non-members for a fee, usually $10 to $20, and are often cheaper than check-cashing services.
- Check-cashing services and money transfer companies like MoneyGram and Western Union can issue cashier's checks, but fees run higher and availability varies by location.
- You must bring cash or a debit card and valid ID; the provider will not issue a check against a personal account.
- Processing takes minutes to an hour at most locations, but some credit unions may require you to call ahead or wait for a manager.
- Walmart and some grocery stores offer money services counters that can issue cashier's checks, though not all locations do.
Credit unions are usually your cheapest option
Most credit unions will issue a cashier's check to anyone, member or not, as long as you pay in cash or with a debit card. Fees typically range from $10 to $20, which is lower than check-cashing services. You'll need to bring a valid ID and know the exact amount you need.
Call ahead before you go. Some credit unions issue cashier's checks on the spot during business hours, while others require a manager's approval or may need you to come back at a specific time. If you don't have a credit union nearby, ask your bank if they have a shared branching network—many credit unions participate in CO-OP or Alliant networks that let you use other credit unions' services.
Check-cashing services and money transfer companies
Check-cashing chains and money transfer services like MoneyGram and Western Union can issue cashier's checks, though not every location offers this service. Fees are typically $15 to $25, sometimes higher depending on the amount. You'll pay cash or use a debit card, bring your ID, and the check is usually ready within minutes.
The downside is that availability is inconsistent. Not all MoneyGram or Western Union locations issue cashier's checks—you have to call or visit to confirm. Check-cashing services are more likely to offer them, but they're concentrated in certain neighborhoods and may not be convenient to you. Search online for "cashier's check near me" and call before you go.
Walmart and grocery store money services
Walmart's money services desk and some grocery store customer service counters issue cashier's checks to non-customers. Fees are usually $3 to $5, making them the cheapest option if available in your area. You'll need cash or a debit card and a valid ID.
Not all locations offer this service, and hours vary. Call the store's money services desk or customer service line to confirm they issue cashier's checks before you make the trip. If they do, the check is typically ready in minutes.
What you need to bring and how much it costs
| Provider | Fee Range | Payment Method | ID Required | Processing Time |
|---|---|---|---|---|
| Credit union (non-member) | $10–$20 | Cash or debit card | Yes | Minutes to 1 hour |
| Check-cashing service | $15–$25 | Cash or debit card | Yes | Minutes |
| MoneyGram/Western Union | $15–$25 | Cash or debit card | Yes | Minutes |
| Walmart/grocery store | $3–$5 | Cash or debit card | Yes | Minutes |
Bring a valid government-issued ID—a driver's license, passport, or state ID card. You'll also need to pay the full amount of the check plus the fee upfront in cash or with a debit card. No personal checks, credit cards, or payment plans.
The provider will ask you to specify the payee (the person or business the check is written to) and the exact amount. Write this down before you arrive so you don't make a mistake. Once the check is issued, you cannot change the payee or amount.
When a cashier's check makes sense versus other options
A cashier's check is useful when the recipient needs proof that the money is real and available—for a security deposit, a down payment on a car or house, or payment to a government agency. The recipient can deposit it immediately and know the funds won't bounce.
If you're sending money to someone, a money order is often cheaper and serves the same purpose for smaller amounts. A money order costs $1 to $5 and can be purchased at the same places that issue cashier's checks. For very large amounts or transfers between accounts, a wire transfer through a bank or money transfer service may be faster, though it also costs more.
Frequently Asked Questions
Can I get a cashier's check if I don't have an ID?
No. All providers require a valid government-issued ID to issue a cashier's check. This is a federal requirement to prevent fraud and money laundering. If you don't have an ID, you'll need to obtain one first—contact your state's DMV or passport office.
What if the check-cashing place near me doesn't issue cashier's checks?
Call a credit union first—they're more likely to issue them to non-members. If no credit union is nearby, try Walmart or a grocery store with a money services desk. MoneyGram and Western Union locations vary, so call ahead. If none of those work, you may need to open a bank account temporarily to get a cashier's check from a bank.
How long does a cashier's check take to clear?
A cashier's check typically clears within one business day because it's drawn on the financial institution's account, not yours. The recipient's bank may hold it for a day or two depending on their policy, but the check itself is may provide.
Can I cancel a cashier's check after I get it?
Yes, but it's complicated. You'll need to contact the issuing institution and provide proof that the check hasn't been cashed. They may charge a fee ($15 to $30) and require a written request. If the check has already been cashed, you cannot cancel it.
Is a cashier's check safer than a personal check?
Yes. A cashier's check is drawn on the institution's account and is may provide by that institution, so the recipient knows the money is there. A personal check can bounce if your account doesn't have enough funds. This is why landlords, sellers, and government agencies often require a cashier's check.