Can I Get a Single Check From My Bank?

Many transactions require a single check rather than an entire checkbook. Financial institutions offer several options to meet this need, providing secure payment methods. These banking products offer enhanced security and guaranteed funds.

Types of Single Checks

Banks provide several types of single checks, each with distinct characteristics. A cashier’s check is issued and guaranteed by the bank, drawn from its own funds after the customer provides payment. These checks are commonly used for large purchases, such as a car or home down payment, assuring the recipient of available funds.

A certified check, by contrast, is a personal check the bank verifies and guarantees. The bank confirms the account holder’s signature and earmarks funds from the customer’s account, preventing them from being spent elsewhere. Certified checks are suitable for transactions where the recipient requires assurance of funds, but the payment is drawn from the customer’s account.

Money orders offer another alternative, used for smaller amounts, often with a maximum limit around $1,000. They are prepaid and can be purchased at banks, post offices, or various retail locations.

Counter checks, also known as temporary or starter checks, are printed by the bank for immediate use, often when a customer runs out of checks or opens a new account. These checks contain account information but may lack personalization and are drawn directly from the customer’s account.

Associated Costs and Requirements

Obtaining a single check from a bank involves certain costs and specific information. Fees for cashier’s checks generally range from $5 to $15, while certified checks may cost between $15 and $20. These fees vary by financial institution and account type; some premium accounts might offer these services for free or at a reduced cost. Money orders usually incur a smaller fee, often between $1 and $5, depending on the purchase location and amount.

To obtain any of these checks, customers must provide valid government-issued photo identification, such as a driver’s license or passport. They must also provide the exact payee name and the precise amount. For cashier’s and certified checks, sufficient funds must be available in the account to cover the check amount and any associated fees, as the money is immediately withdrawn or earmarked. While there is no federal limit on a cashier’s check amount, banks may have internal policies or limits, especially for very large sums, and transactions over $10,000 are reported to the IRS.

Process for Obtaining a Check

The most common method for acquiring a single check is by visiting a bank branch in person. Customers approach a teller and state their request for the specific type of check. They must present valid photo identification, the exact payee name, and the amount. The bank then processes the request, withdrawing funds from the customer’s account or accepting cash for the check’s value and fee.

Some financial institutions offer options to order certain types of checks, like cashier’s checks, through online banking platforms or mobile applications. This process involves initiating the request digitally and arranging for the check to be mailed or picked up. Certified checks are less commonly available online, often requiring an in-person visit. After receiving the check, verify all details, such as the payee’s name and the amount, and retain any receipts.