Where to Get a Cashier’s Check and What You Need

A cashier’s check is a secure payment method, issued and guaranteed by a financial institution. The bank backs the funds, making it reliable for transactions requiring payment assurance. These checks are often used for significant purchases, like real estate deposits or vehicle acquisitions, ensuring funds are available and not subject to insufficient funds. Unlike a personal check, which draws from an individual’s account, a cashier’s check is drawn from the bank’s own funds and signed by a bank representative.

Primary Locations for Cashier’s Checks

Cashier’s checks are issued by financial institutions, such as banks and credit unions. Obtaining one from your own bank or credit union, where funds are withdrawn directly from your linked account, is generally the most straightforward method.

Some financial institutions also issue cashier’s checks to non-account holders. This service often requires paying the full amount in cash and may incur higher fees. Contact local banks or credit unions to inquire about their policy for non-account holders and any associated fees. While online ordering is possible, checks are mailed and take several business days, making in-person visits better for immediate needs.

What You Need to Obtain a Cashier’s Check

Before requesting a cashier’s check, gather necessary information and funds. You will need a valid government-issued photo identification, such as a driver’s license or passport. The bank requires this to confirm your identity, especially since they are guaranteeing the funds.

You must know the exact legal name of the payee. Cashier’s checks cannot be issued blank; the payee’s name will be printed directly on the check. The precise dollar amount for the check is also required, as this amount will be printed on it.

Have the full check amount, plus any fees, available at the time of request. For account holders, funds are debited from your account. Non-account holders typically need to provide the entire amount in cash. The bank may ask for the check’s purpose, which can be noted in the memo line.

Steps to Getting Your Cashier’s Check

Once you have prepared the necessary information and funds, obtaining a cashier’s check at a financial institution is simple. Approach a teller or customer service representative and state your request. They will guide you through their specific steps.

Provide your government-issued identification, the payee’s exact name, and the precise check amount. The funds, plus any service fees, will be transferred from your account or accepted as cash. Fees for cashier’s checks typically range from $10 to $15, though some accounts may offer waivers.

After the check is prepared, it is important to review all details for accuracy before leaving the counter, including the payee’s name and dollar amount. You will then receive the cashier’s check and a receipt. The receipt serves as proof of payment and can be useful for tracking or if the check is lost.