Can You Get a Cashier’s Check at the Post Office?

The United States Post Office does not issue cashier’s checks. While the Post Office provides various financial services, a cashier’s check is not among them.

Why Post Offices Do Not Issue Cashier’s Checks

The fundamental reason Post Offices do not issue cashier’s checks is that they are not chartered financial institutions. Unlike banks or credit unions, the U.S. Postal Service does not hold customer deposits or manage direct financial accounts in the same manner. Their primary mission revolves around mail service, although they do offer related financial products like money orders, which serve a different purpose than cashier’s checks. Money orders are typically for smaller amounts and do not carry the same institutional guarantee as a cashier’s check.

Where to Obtain a Cashier’s Check

Cashier’s checks are exclusively issued by financial institutions, primarily banks and credit unions. Most often, you will need to be an existing customer of the bank or credit union to obtain a cashier’s check, as the funds are typically drawn from your established account. However, some banks may issue cashier’s checks to non-customers, though this is less common and usually requires payment in cash. It is advisable to contact your local bank or credit union in advance to confirm their specific policies and any associated fees, which typically range from $10 to $15.

Information Needed for a Cashier’s Check

Before visiting a financial institution, it is important to gather specific information and documentation. You will need a valid form of government-issued photo identification, such as a driver’s license or passport, for identity verification. The funds for the check will usually be drawn from your existing checking or savings account, so ensure you have sufficient funds available and your account details ready.

You must also know the full, correct legal name of the person or entity to whom the check will be made payable, as cashier’s checks cannot be issued blank. The exact dollar amount of the check is also required, as this cannot be estimated. Some institutions might also inquire about the purpose of the check for their records.

Steps to Obtain a Cashier’s Check

Once you have all the necessary information prepared, the process of obtaining a cashier’s check is straightforward. You will typically visit a branch of your bank or credit union in person. Upon arrival, approach a teller or customer service representative and request a cashier’s check.

You will then provide the identification, account details, payee information, and the exact amount you wish the check to be for. The financial institution will deduct the check amount, plus any applicable fee, directly from your account. After the check is issued, it is important to immediately verify all printed details, including the payee’s name, the amount, and the date, before leaving the institution.