A cashier’s check is a check issued by a bank or credit union with guaranteed funds, often used when making a large purchase — such as buying a car — because it guarantees that the funds are available. A cashier’s check might be more difficult to obtain if you use online banking exclusively because some banks require you to visit a branch in person.
How to Get a Cashier’s Check
You might be wondering where to get a cashier’s check. The best place is at a bank where you already have an established account. Many banks will not issue you a cashier’s check if you are not already a customer, even if you have cash and are willing to pay a fee. Follow these steps to get a cashier’s check from your bank.
- Visit your bank or check the bank’s website to see if you can order a cashier’s check online. There might be an additional fee to order online.
- You will need the name of the person or company you are writing out the check to as well as guaranteed funds to pay for the check and any additional fees. You will also need your identification to complete the transaction.
- Present the funds to pay for the cashier’s check from your account or cash. The bank is issuing the check from the bank funds, so the full amount plus fees will be debited from your account immediately.
- Receive the cashier’s check with the payee’s information.
Wells Fargo Cashier’s Check
In order to receive a Wells Fargo cashier’s check, you will need to have an account with the bank. Wells Fargo allows you to order a cashier’s check online or in person. There is a $10 fee for the cashier’s check and an additional $8 delivery fee if you order it online.
Bank of America Cashier’s Check
Bank of America requires you to have a checking or savings account to purchase a cashier’s check. There is a $10 fee to purchase the check, but it might be waived depending on the type of account you have with the bank.
Chase Bank Cashier’s Check
Chase Bank offers cashier’s checks as a service for existing banking customers. The fee for each cashier’s check is $8. Depending on the checking account type, you might have the fee waived.
Can I Get a Cashier’s Check Without Using a Bank?
Many people use other financial services to send money to people or to purchase money orders. Unfortunately, you typically need to be a bank customer to get a cashier’s check. Neither Western Union nor Walmart offer cashier’s checks, but Walmart will cash the check for you.
As an alternative, however, you might be able to purchase money orders and send those as payment instead. Be sure that the money orders are a valid form of payment for the transaction before you do this.