PNC Cashier’s Check: Fees, Verification and How To Get One

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PNC cashier’s checks are secure and guaranteed by the bank, making them ideal for large transactions like home or car purchases. They provide more credibility than personal checks and are better suited for high-value payments than money orders, which have lower limits.

PNC’s cashier’s check fee is $10 per check, but there’s more to know about cashier’s checks than just the fee. Read on to learn all the details about PNC cashier’s checks.

How To Get a PNC Cashier’s Check

To get a PNC cashier’s check, you’ll need a checking or savings account from which to pull funds. If necessary, you can open a new account with sufficient funds to cover the check. In either case, you must have the full amount available in your bank account.

When you are ready to get your cashier’s check, you might need to supply the following:

• Personal ID like a driver’s license or a passport.
• Account number or ATM card.
• The check recipient’s information, including their bank account and routing numbers.
• $10 for PNC’s cashier’s check fee.

PNC Cashier’s Check Fee

The fee for obtaining a cashier’s check at PNC Bank varies depending on your account type and eligibility for certain promotions. Here’s a breakdown of the current fee structure and factors that may influence the cost:

• Standard Fee: PNC Bank typically charges $10 per cashier’s check for most account holders.
• Preferred Account Fee: For customers with premium or relationship banking accounts (e.g., Virtual Wallet® with Performance Select), this fee may be waived or reduced.

Afew factors may affect your fee:

• Account type: Certain premium accounts, such as Virtual Wallet® with Performance Select or other high-tier accounts, often include perks like free or discounted cashier’s checks as part of their benefits package.
• Promotions or special offers: PNC occasionally runs promotions or offers for account holders, which may include waived fees for cashier’s checks.
• Banking relationship: Customers enrolled in PNC’s relationship programs, or those who maintain a certain balance threshold across accounts, may qualify for fee reductions or waivers.
• Location or branch policies: Fee structures can occasionally vary slightly by region or branch, so it’s always a good idea to confirm with your local PNC branch.

PNC Cashier’s Check Verification Process

Verifying a PNC cashier’s check ensures that it is legitimate and helps protect against fraud. Here are the steps you can take to verify a cashier’s check:

• Contact PNC directly: Call PNC customer service at 1-888-762-2265 to verify the check’s authenticity.
• Visit a PNC branch: A teller can confirm the check’s validity in person.
• Look for security features: PNC cashier’s checks include security features like watermarks and microprinting. If these are missing, the check may be counterfeit.

Does PNC Issue Cashier’s Checks for Non-Customers?

No, you must have a PNC savings or checking account with sufficient funds to get a cashier’s check. If you’re not a PNC customer, you may consider:

• Opening a PNC account to access cashier’s check services.
• Visiting your own bank if you already have an account elsewhere.
• Using alternative payment methods like money orders or wire transfers.

What Happens if a PNC Cashier’s Check Expires?

Technically, cashier’s checks do not expire. If they’re left uncashed, they may become stale-dated.

If you have an old cashier’s check you can contact PNC Bank. The banker can confirm if the check is still valid. If it’s considered stale, you may qualify for a reissue.

Conclusion

Cashier’s checks have clear advantages over other forms of payment, as long as you’re careful to avoid being scammed. They’re more secure than personal checks, and there’s no ceiling on the amount you can get one for like there is with money orders. And because they’re drawn against the bank’s account, they’re a preferred payment method for important expenses.

More About PNC Bank

• PNC Bank Review
• PNC Bank CD Rates
• PNC Bank Savings Account Interest Rates
• PNC Bank Hours
• PNC Bank ATM Limits

Information is accurate as of March 10, 2025. Rates and fees are subject to change.

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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