How To Get a Citi Cashier’s Check: Simple Steps, Fees and Limits

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Planning to make a big purchase — like a car or even a down payment on a home — and want to ensure secure payment? A Citi cashier’s check may be your go-to. Because cashier’s checks are backed by the bank’s own funds, they’re considered extra reliable compared to personal checks.

Below, we’ll walk through how to get your hands on a Citi cashier’s check, what fees might pop up, and how long it usually takes.

Why Choose a Citi Cashier’s Check?

Cashier’s checks are popular for high-stakes transactions because they’re guaranteed by the bank, meaning the receiving party doesn’t have to worry about your check bouncing.

For you, it’s a quick way to deliver guaranteed funds without resorting to wads of cash or pricier wire transfers.

Key Perks

• Bank-Guaranteed Funds: Reassures the seller or recipient the money is solid.
• Widespread Acceptance: Great for large purchases like real estate, vehicles or other big-ticket items.
• Quick Access: You can often get the check printed right away if you visit a branch.

Citi Cashier’s Check Fees & Limits

Now that we understand the basics of what a cashier’s check is and how it works, let’s break down the fees and details you’ll need to know to get one from Citi. Here are the fees and limits to keep in mind:

Typical Fee

A Citi cashier’s check usually costs $10. However, if you belong to certain relationship tiers — like Citi Priority, Citigold® or Citigold® Private Client — the fee might be waived. Always confirm with your banker before you proceed.

How Much Can You Get?

Citi doesn’t publish a strict maximum limit for cashier’s checks. If you have enough in your account to cover the face amount plus fees, you’re generally set. For extremely large transactions (think $100,000+), you might call ahead to confirm that the branch can handle it.

In unusual cases, your banker might suggest a wire transfer for especially high-dollar deals.

How To Get a Cashier’s Check From Citi

Here’s a step-by-step guide for getting a Citi cashier’s check:

1. Visit a Branch

1. Find a Nearby Branch: Use the Citi branch locator or the mobile app to spot your closest location.
2. Bring ID & Funds: Make sure your account has enough money to cover the check plus any fee. Grab your driver’s license or other valid photo ID.
3. Ask for the Check: Let the teller know the amount, payee name, and any memo notes (like “Car Purchase”).
4. Pay Fees: If you’re not in a fee-waiving account tier, it’s $10.
5. Get the Check: The teller prints it on the spot, and you can walk out with it in hand.

2. Online or Mobile

1. Log In: Head to their website or open the Citi mobile app.
2. Request Cashier’s Check: Look for “Order Checks” or “Cashier’s Check” in your account menu.
3. Enter Payee Info: Provide the exact name, check amount and choose a delivery method (standard mail or overnight shipping).
4. Confirm & Pay: A $10 fee typically applies.
5. Delivery Wait: You won’t get the check instantly — expect a few business days if you choose standard mail.

3. By Phone

1. Call Customer Service: Dial 888-248-4226.
2. Verify Account: Provide your Citi account details for identity checks.
3. Share Payee & Amount: State the check amount and payee name, plus how you want it delivered.
4. Pay Fees: $10 unless your account level waives it.
5. Receive By Mail: You’ll wait for the check to arrive, so allow time if you’re on a deadline.

Pro Tip: Double-check the payee spelling. A small typo can cause major hiccups.

How Long Does It Take To Clear?

For the payee: Typically, funds from a cashier’s check become available faster than from a personal check — often by the next business day. Large amounts might trigger holds, but it’s still quicker than waiting for a personal check to clear.

For you (the buyer): The money is debited right away from your account once Citi issues the check. This means no waiting around to see if it’ll clear — it’s basically guaranteed.

Alternatives to a Citi Cashier’s Check

• Money Orders: Cheaper than cashier’s checks but usually capped at about $1,000.
• Wire Transfers: Faster for massive amounts, but can carry higher fees than cashier’s checks.
• Certified Checks: Another “guaranteed” form of check, but funds aren’t removed from your account until the check is deposited — Citi certifies that your balance can cover it.

If you’re purchasing something extremely expensive — like real estate — Citi might recommend a wire transfer. If you’re simply paying for a used car or another mid-level transaction, a cashier’s check often does the trick.

More About Citi

• Citi Review
• Citi CD Rates
• Citi Savings Account Interest Rates
• Citi Hours
• Citi ATM Limits

Final Take to GO

When you need to secure a big payment — without the risk of a personal check bouncing — a Citi cashier’s check can be your best bet. Whether you visit a branch, use online banking, or call in, you’ll pay around $10 unless your account tier offers a waiver. With the bank’s reputation backing your funds, it’s a trusted way to finalize high-stakes purchases and give both parties peace of mind.

Action Steps:

1. Decide how you want to request the check (in-branch for immediate pickup, online or by phone if you can wait on mail).
2. Ensure you have enough in your account for the check amount plus the fee.
3. Double-check the payee’s name, because any error can slow things down.

If you’re ready to get started, check your nearest Citi branch location or log in to your Citi account to request a cashier’s check — then proceed with your purchase or payment with total confidence.

Information is accurate as of March 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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