You can get a cashier's check primarily at banks or credit unions, usually where you have an account. Most banks require you to have sufficient funds in your account or cash on hand to cover the check amount plus any applicable fees
. Here are common options for obtaining a cashier's check:
- At your bank or credit union branch: Visit in person with your ID, the exact payee name, and the amount. The bank will debit your account or accept cash to issue the check
- At a bank where you have a credit card: Some banks like Chase may issue cashier's checks to credit card holders even if you don't have a checking account there
- Online or by phone: Some banks allow existing customers to order cashier's checks online or via mobile app, with the check mailed to you or the recipient. This option takes longer than in-person pickup
- For non-customers: Some banks may issue cashier's checks to non-customers if you pay in cash, but many banks restrict this service to account holders. It's best to call ahead to confirm
If you do not have a bank account, you might need to open one or consider alternatives like money orders, though some recipients do not accept money orders
. In summary, your best bet is to visit a local branch of your bank or a major bank like Wells Fargo or Chase, bring your ID and funds, and request a cashier's check. If you bank online without branches, check if your bank offers online cashier's check orders or try a nearby bank where you have a credit card
