If you need to make a large, guaranteed payment, a PNC cashier’s check is one of the most secure ways to do it. Unlike a personal check, a PNC cashier’s check is backed by the bank itself — meaning the funds are guaranteed and the payee can accept it with confidence. You can get one at any PNC branch for a $10 fee, though some account holders qualify for a waiver.
Here’s everything you need to know about PNC cashier’s checks, including how to get one, how to verify it and what to do if something goes wrong.
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?
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 should 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.
The Safest Way to Send Big Money
When it comes to making large, secure payments, cashier’s checks are hard to beat. They’re more secure than personal checks, have no maximum amount limit like money orders do, and because the funds are guaranteed by the bank, they’re the preferred choice for high-stakes transactions like buying a car, closing on a home, or paying a security deposit.
Make sure to stay alert to scams. Cashier’s check fraud is real, and if you accept a fake one, you — not the bank — could be left holding the loss. Stick to trusted sources, verify checks when in doubt, and you’ll have nothing to worry about.
FAQ
Here are the answers to some of the most frequently asked questions about PNC cashier's checks.- Does PNC Bank do cashier's checks online?
- No, you must visit a PNC branch in person to request a cashier's check.
- How much is the PNC cashier's check fee?
- PNC charges $10 per cashier's check, but fees may be waived for customers with premium accounts.
- Can I verify a PNC cashier's check over the phone?
- Yes, you can verify a cashier's check over the phone by calling PNC Bank at 1-888-762-2265.
- What should I do with an expired PNC cashier's check?
- If the check is considered stale-dated, contact PNC or the check issuer to request a reissue or confirm validity.
- Do I need an account to get a cashier's check at PNC Bank?
- Yes, only PNC Bank customers can get a cashier's check. Non-customers will need to visit their own bank or use alternative payment methods.
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 25, 2026. 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.