What Is the USAA Bank Cashier’s Check Fee?

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A USAA cashier’s check is a secure way to make large payments when a personal check or electronic transfer won’t do. Knowing the process can save you time and hassle if you need one for a down payment, a car purchase or other big transactions. In this guide, we’ll walk you through how to get a USAA cashier’s check, including fees, eligibility and alternatives.

What Is the Fee for a USAA Cashier’s Check?

USAA charges a $10 fee for issuing a cashier’s check. However, this fee may be waived for certain premium account holders or under specific conditions. If you’re unsure whether you qualify for a fee waiver, check with USAA customer service.

• Standard Fee: $10 per check
• Fee Waivers: May be available for select account types
• Payment Method: Funds must be available in your USAA account before issuing the check

If you need multiple cashier’s checks, ask USAA about potential discounts or alternative payment options.

How to Get a Cashier’s Check From USAA

Unlike checking, savings or CD account, getting a cashier’s check from USAA bank is a pretty simple and straightforward process. Here’s a step-by-step breakdown for getting one of your own:

Step 1: Log In to Your USAA Account

• Use the USAA website or mobile app to access your account.
• Navigate to the “Cashier’s Check” request section under the banking menu.

Step 2: Enter Recipient Details

• Provide the payee’s name (the person or business receiving the check).
• Enter the exact payment amount — ensure you have sufficient funds.

Step 3: Choose the Delivery Method

• Standard Mail: Delivery typically takes 5-7 business days.
• Expedited Shipping: May be available for an additional fee.
• In-Person Pickup: USAA operates primarily online, so in-person options are limited.

Step 4: Confirm & Complete the Transaction

• Review all details carefully — once issued, the check can’t be altered.
• Submit your request and wait for confirmation.
• Track delivery if the check’s in the mail.

Consider expedited delivery or alternative payment methods if you need the check urgently.

Eligibility Requirements for a USAA Cashier’s Check

Before requesting a cashier’s check, ensure you meet these requirements:

• USAA Membership: Only USAA members with active accounts can request a cashier’s check.
• Checking or Savings Account: Funds must be available in your USAA checking or savings account.
• Account Balance: Your balance must cover both the check amount and the $10 fee.

It’s important to note that USAA might decline a cashier’s check request if your account is under review or flagged for suspicious activity.

How USAA’s Cashier’s Check Fee Compares to Other Banks

Now that you’ve gone over the basic of getting a USAA cashier’s check, it’s worth asking where you can actually get the best rates. Is USAA actually the bets option for frugal folks?

Let’s take a look at how some other bank’s cashier’s check fees compare:

USAA’s cashier’s check fee is competitive but always check for waiver eligibility if you’re a premium account holder.

Alternatives to Cashier’s Checks

If a cashier’s check isn’t your best option, consider these alternatives:

• Money Orders: Available through USPS, Walmart and grocery stores for payments under $1,000.
• Electronic Transfers: Use Zelle, wire transfers or ACH payments for faster transactions.
• Certified Checks: Some banks offer certified checks, which verify funds but do not guarantee payment like a cashier’s check.

Best for Large Transactions: Cashier’s checks are ideal for amounts over $1,000 where guaranteed funds are required.

Final Thoughts to Go: Is a USAA Cashier’s Check Right for You?

A USAA cashier’s check is a secure and reliable way to handle large transactions. While there’s a $10 fee, USAA offers competitive rates compared to other banks. If you’re a USAA member, follow the steps above to request a cashier’s check online and ensure a smooth payment process.

Log in to your USAA account and order a cashier’s check today!

Information is accurate as of Feb. 7, 2025.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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