Chase Cashier’s Checks: Fees, Limits and How To Get One
Written by
Cynthia Measom
Edited by
Elizabeth Constantineau
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You may not run across cashier’s checks often but might’ve heard of instances in which they might be required, such as making a down payment on a house. Though you may not be familiar with them, you’ll likely need one at some point.
Cashier’s checks are drawn against the bank’s account instead of your own — but only after the bank verifies you have the funds available. Here’s a look at the details behind cashier’s checks, how to get a Chase cashier’s check and important information to be aware of.
Chase Cashier’s Check Fees
Chase charges a $10 fee for cashier’s checks. However, Chase will waive it for customers with certain types of checking or savings accounts that qualify for free cashier’s checks.
| Fee Type | Fee Amount |
|---|---|
| Cashier’s Check Fee | $10 |
| Fee Waiver Eligibility | Chase customers with the following accounts will not have to pay for cashier’s checks: -Chase Secure Checking -Chase Premier Plus Checking -Chase Sapphire Checking -Chase Private Client Checking |
| Cashier’s Check Limit | None |
| Replacement Fee | Possibly $10 unless requestor is eligible for a fee waiver |
| Stop Payment Fee | -$30 when request is made via a Chase banker -$25 when request is made via the mobile app or automated phone system |
How To Get a Cashier’s Check From Chase
The only way to get a cashier’s check from Chase is to visit the nearest branch and conduct the transaction in person. It’s a good idea to call ahead of time to ask about any specific policies your bank may have.
At Chase, you’ll need a few things for the transaction:
- You’ll need to prove that you are who you claim to be with a government-issued photo ID. This can be a current and valid driver’s license, a passport or another valid proof of identity.
- You have to provide the full details of the account you want the cashier’s check funds to be drawn from.
- Be ready with the exact amount of the payment and remember that you’ll need enough money in the account to cover the fee.
- Before the check can be issued, you’re also responsible for providing the exact spelling of the payee’s name, whether it’s an individual or a business. This is an important detail, as errors can delay the check processing and, in some instances, may require the check to be canceled and reissued.
Chase Cashier’s Check Limits
Chase does not have a cashier’s check limit. Its deposit account agreement states that cashier’s checks are available in any amount.
Where To Get a Chase Cashier’s Check
You can get a Chase cashier’s check at any one of the bank’s branches. Cashier’s checks are not available via online banking. Use the Chase Bank branch locator to find a branch near you.
How Long Does a Chase Cashier’s Check Take To Clear?
According to Chase, cashier’s checks are designed to clear faster than personal checks, and are often available in full by the next business day.
Alternatives To Chase Cashier’s Checks
In case a Chase cashier’s check isn’t right for your transaction, here are some other options.
Money Order
Like a cashier’s check, a money order won’t bounce like a personal check could because it’s prepaid. However, money orders are easier to obtain than cashier’s checks because they don’t require a bank account and are available at post offices, banks and retailers.
Unlike cashier’s checks, which typically do not have a limit, most money orders have a $1,000 limit. This means you would have to buy multiple money orders to complete large transactions.Â
Certified Check
A certified check, like a cashier’s check, requires the bank to verify the funds before issuing it. The difference is that a certified check is drawn directly from the sender’s account, not the bank’s funds. However, the bank earmarks the funds designated for the certified check to ensure they will be available to the payee.
Wire Transfer
Wire transfers provide the same level of guaranteed funds as a cashier’s check. Instead of using a physical check, you send money electronically between banks with a wire transfer.
They’re often used for real estate closings and other large transactions since they clear quickly — often within the same day. However, wire transfers typically come with higher fees than cashier’s checks, especially for international transactions.
P2P Payment Apps
Apps like Zelle, Cash App, Venmo and PayPal allow you to instantly make digital transfers, which can be more convenient than cashier’s checks for smaller payments.
However, many money transfer apps have limits on how much you can send at once, which can be inconvenient. Additionally, P2P payments aren’t easy to cancel or reverse, which means you could lose your money if you pay the wrong recipient.
FAQ
Here are the answers to some of the most frequently asked questions regarding Chase cashier's checks.- Does Chase issue cashier's checks for non-customers?
- No. To get a cashier's check from Chase, you'll first need to open an account.
- Can I cancel a Chase cashier's check?
- Chase may allow you to place a stop payment if the check is lost, stolen or destroyed, but you must provide a sworn statement in a form the bank deems acceptable. Stop payment fees may apply.
- Even if the stop payment request is approved, Chase may still honor the check if it’s presented for payment, which means you would still be liable for the amount.
- What happens if I lose my cashier's check?
- If you lose your cashier's check, you can provide a sworn statement to Chase that it was lost and the bank may allow you to place a stop payment on the check. However, it may ask you for an indemnity bond, which is basically an insurance policy for the bank's funds that guarantee the check. Also, there's a risk that Chase may still cash the check if it's presented for payment and you would be liable for the amount.
- Is a cashier's check safer than a personal check?
- A cashier's check, especially one from a well-established institution like Chase, comes with the full reputation of the bank behind it.
- Before issuing a cashier's check, the bank will withdraw the specified amount from your account and reserve it for payment to the person named as the payee on the check.
- This makes it impossible for the check to bounce, as it's essentially already been paid for, and the money has already been set aside.
- Can I get a cashier's check from Chase on the same day?
- Yes. You can get a cashier's check from Chase on the same day, as long as your Chase account has enough funds to cover it.
- Do I need a Chase account to get a cashier's check?
- Yes. You must have a Chase banking account to get a cashier's check from Chase.
More About Chase Bank
- Chase Bank Review
- Chase CD Rates
- Chase Savings Account Interest Rates
- Chase Bonus Offers and Promotions
- Chase Bank Hours
Kristopher Kane contributed to the reporting for this article.
Data is accurate as of March 4, 2025, and is subject to change.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
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