Many new payment options have debuted in the banking landscape. Think of contactless payment methods like Venmo, Google Pay, Apple Pay, Zelle, PayPal, and Samsung Pay. Before mobile wallets transformed the world into contactless and cardless payments, credit and debit cards with EMV chips pioneered a checkless and cashless economy. For instance, as of 2018, there were over 1 billion credit cards in the US.
Even though credit cards, debit cards, Reliacards, and mobile wallets are convenient, they have daily spending limits. So in most cases, you cannot use them to make large purchases, like a car or home. That’s where cashier’s checks come in.
Issued from banks and credit unions, cashier’s checks are reliable and ideal for high-dollar transaction options. Unlike personal checks, cashier’s checks are as good as cash and rarely bounce. That’s because it’s often drawn against the financial institution’s name. So the payer’s name (your name) never appears on the document. Instead, before issuing it, a financial institution affirms that there’s sufficient money to cover the payment.
Further, the issuing bank withdraws the check amount and sets it aside. In some cases, a second person (besides the teller) has to sign it. As a result, it’s not easy to forge a cashier’s check. Once issued, the recipient can immediately cash the check.
When to Pay with a Cashier’s Check?
- Make a partial payment on a home
- Pay closing costs for a mortgage
- Buy a car or boat
- Purchase a piece of land or other income-producing assets
- Car purchase such as Carvana cashier’s check
- Earnest money for property in states with free land
- Pay for construction projects – i.e., Excavating contractor jobs
- Book a hotel room without a credit card or hotels that accept cash to book a room
However, cashier’s checks are only available to account holders. You’ll rarely find banks and credit unions that issue cashier’s checks to non-customers. Thus, you need an active account with an institution with funds available.
So, where can I get a cashier’s check near me?
Short answer: Banks and credit unions are the best places to get cashier’s checks near me. The top banks that offer cashier’s check services include Ally Bank, Bank of America, Capital One, Chase Bank, and Citibank.
Examples of credit unions to get cashier’s checks include Navy Federal Credit Union, Chartway Federal Credit Union, Alliant Credit Union, USAA, and BECU. Non-banking institutions like Walmart and Mr. Payroll don’t write cashier’s checks but will cash it if it’s made out to you.
A few institutions may offer the service to non-customers. However, non-account holders often pay higher fees when buying a cashier’s check.
Where Can I Cash a Cashier’s Check Near Me?
We’ve researched and compiled a list of top banks and credit unions that offer cashier’s checks. Our list also includes related costs (some are free) for each financial institution, so you can make an informed decision and save money quickly.
1. Ally Bank
Ally Bank is an online bank with fintech financial services. It offers certified checks, money orders, high-yield CDs, auto loans, vehicle insurance, personal loans, mortgages, Robo portfolios, self-direct trading, and Forex.
Customer Account Needed: Yes
Ally Bank Cashier’s Check Fees: No fees
Availability: Ally is an online bank, so you can only buy cashier’s checks online or request one via phone
Order a cashier’s check for earnest money from Ally Bank online here.
2. Bank of America
Bank of America has over 4,600 banking centers and around 16,200 ATMs in the US. Most BOA ATMs allow up to 10 check deposits per day, but only their customers can make deposits at its network. The cutoff time for direct deposit is 9 pm Eastern for same-day credit.
Customer Account Needed: Yes
Bank of America Cashier’s Check Fees: No fees for Preferred Rewards members; otherwise, it’s $15
Availability: Inside bank branch and not online
Find a nearby Bank of America branch that sells cashier’s checks.
3. BBVA
BBVA bank has around 650 branches across the south and coasts. The regional bank offers mobile and free online banking, no ATM fees with premium checking, debit cards with smart chips, mortgages, lending, and investments.
Customer Account Needed: Yes
BBVA Cashier’s Check Fees: $10 fee for all account holders
Availability: Inside bank branch and not online
Find a nearby BBVA if you lose a cashier’s check purchased from a branch.
4. Capital One
Capital One was ranked the 10th largest bank in the US assets with over 750 branches and 39,000 AllPoint and Capital One ATMs. It specializes in credit cards, checking and savings accounts, and various personal and business loans.
Capital One has thousands of ATMs nearby that dispense $10 bills.
The online cashier’s check limit per day is $500,000 and is limited to $250,000 per check.
Customer Account Needed: Yes
Capital One Cashier’s Check Fees: $10 fee for all account holders
Availability: At a branch for $10 or online for $20, which covers expedited shipping.
Find a nearby Capital One that sells cashier’s checks for car purchases.
5. Chase Bank
Chase Bank has around 4,700 branches and has thousands of local ATMs that dispense $1, $5, $50, and $100. Its banks will cash the following types of checks, including cashier’s, government, payroll, tax, and will cash handwritten personal checks. Chase serves about half the US households with financial services.
Customer Account Needed: Yes
Chase Bank Cashier’s Check Fees: No fees for Premier Platinum and Plus account holders; otherwise, it’s $8 for Student Checking and Total Checking account holders
Availability: Inside bank branch and not online
Find a Chase Bank if you need to buy a cashier’s check nearby.
See our guide on finding the Chase routing number and wire transfer details.
6. Citibank
Citibank has over 2,500 branches in the US and over 65,000 ATMs in its network, with hundreds open 24-hours. Its mobile app has banking and services for your unexpired debit card and credit cards.
Customer Account Needed: Yes
Citibank Cashier’s Check Fees: There are no fees for Citigold and Citi Priority account holders; otherwise, it’s $10 for all other accounts.
Availability: Inside bank branch and not online
Find a nearby Citibank if you need a cashier’s check or certified check for closing.
7. Citizens Bank & Trust
Citizens Bank has around 1,200 branches across 11 states on the east coast and more than 3,100 ATMs.
Customer Account Needed: Yes
Citizens Bank Cashier’s Check Fees: $10 fee for all account holders
Availability: Inside bank branch and not online
Find a nearby Citizens Bank that sells cashier’s checks.
8. Comerica Bank
Comerica Bank has around 600 branches in Michigan, Arizona, California, Texas, and Florida. It offers checking, credit cards, mobile banking, online brokerage, boat loans, and insurance for condos, boats, mobile homes, and ATVs.
Customer Account Needed: Yes
Comerica Cashier’s Check Fees: $10 fee for all account holders
Availability: Inside bank branch and not online
Find a nearby Fidelity that sells cashier’s checks.
9. Fidelity
Fidelity has over 50 branches and has over 37,000 surcharge-free ATMs with partner MoneyPass. It provides financial servicing, including money markets, checking and savings accounts, IRAs, CDs, mortgage products, and credit cards.
Customer Account Needed: Yes
Fidelity Cashier’s Check Fees: $8 fee for all account holders
Availability: Inside bank branch and not online
Find a nearby Comerica Bank that sells cashier’s checks.
10. Fifth Third Bank
Fifth Third Bank has almost 1,200 branches, over 2,400 bank-owned ATMs, and customer access to over 50,000 free ATMs. In addition, the bank offers consumer checking with a debit card, online bill pay, online banking, identity theft insurance, identity theft protection with daily credit monitoring, and lets customers buy stamps at branches.
Customer Account Needed: Yes
Fifth Third Cashier’s Check Fees: No fees for Citigold and Citi Priority account holders; otherwise, it’s $10 for all other accounts
Availability: Inside bank branch and not online
Find a nearby Fifth Third that sells cashier’s checks.
11. HSBC
HSBC has about 230 branches that offer personal and online banking such as savings, investments, mortgages, credit cards, and loans.
Customer Account Needed: Yes
HSBC Cashier’s Check Fees: No fees for Premier account holders, otherwise varying fees for all other accounts
Availability: Inside bank branch and not online
Find a nearby HSBC that sells cashier’s checks.
12. Huntington Bank
Huntington Bank has over 1,100 full-service branches and more than 1,700 ATMs. Financial services offered include military banking, free checking accounts, student banking, sells American Express gift cards, insurance, and private banking.
Customer Account Needed: Yes
Huntington Bank Cashier’s Check Fees: Flat $6 fee for all account holders
Availability: Inside bank branch and not online
Find a nearby Huntington Bank that sells cashier’s checks.
13. KeyBank
KeyBank has almost 1,200 branches across 26 states and 1,600 ATMs. The bank offers bill payment, fund transfer, send money with Zelle, investments, credit cards, order, and cashes personal checks, sells stamps, and more.
Customer Account Needed: Yes
KeyBank Cashier’s Check Fees: No fees for Key Privilege and Privilege Select account holders; otherwise, it’s $8 for all other bank accounts
Availability: Inside bank branch and not online
Find a nearby KeyBank that sells cashier’s checks.
14. M&T Bank
M&T Bank has around 800 branches in the northeast.
Customer Account Needed: Yes
M&T Bank Cashier’s Check Fees: Flat $10 fee for all account holders
Availability: Inside bank branch and not online
Find a nearby M&T Bank that sells cashier’s checks.
15. PNC Bank
PNC has about 2,300 branches and access to around 18,000 ATMs in the US. The bank offers fiduciary services, FDIC-insured banking services and products, retirement advisory, free notary services for customers, free money orders for account holders, and wealth management for the best income-producing assets. It’s also a place that cashes checks without an ID for free if the check was issued from PNC and the account has sufficient funds.
See our guide on PNC Bank ABA routing numbers and wire transfer details for each state.
Customer Account Needed: Yes
PNC Cashier’s Check Fees: No fees for Performance and Performance Select account holders; otherwise, it’s $10 for all other bank accounts
Availability: Inside bank branch and not online
Find a nearby PNC that sells bank checks.
16. Regions Bank
Regions Bank has more than 1,450 locations and more than 1,900 ATMs across the US. The bank offers no-fee savings accounts, checking, CDs, money market accounts, reloadable prepaid debit cards, loyalty and gift cards, lines of credit, student loans, cashback rewards, and online banking with bill pay.
Regions Bank also offers secure payment solutions such as Apple Pay, Google Pay, Samsung Pay, LG Pay, Zelle, and click to pay with Visa.
Customer Account Needed: Yes
Regions Bank Cashier’s Check Fees: There are no fees for Key Privilege and Privilege Select account holders; otherwise, it’s $8 for all other bank accounts.
Availability: Inside bank branch and not online
Find a nearby Regions Bank to get a free cashier’s check.
17. SunTrust (Now Truist & BB&T)
SunTrust has over 1,400 banks in 12 states with more than 2,000 ATMs. Truist has around $400 billion in deposits and is the seventh-largest commercial bank, as of this writing.
Customer Account Needed: No
SunTrust Cashier’s Check Fees: No fees for Signature Checking, Signature Advantage, or Exclusive Checking accounts; otherwise, it’s $8 for all other bank accounts; $15 for non-SunTrust customers
Availability: Inside bank branch and not online
Find a nearby SunTrust Bank that gives cashier’s checks without an account.
18. TD Bank
TD Bank has around 1,300 branches along the east coast with over 700 ATMs that dispense $100, $50, $20, and $5 bills. In addition, it offers student banking, online banking, cross-border financial services, overdraft protection, sells Visa gift cards, foreign exchange, notary services open on Sunday at select locations, personal banking, investing services, and commercial banking.
Customer Account Needed: Yes
TD Bank Cashier’s Check Fees: No fees for Relationship, Private Relationship, Sixty Plus, Premier, Private Premier, Private Tiered, 50 Plus, and Private 50 account holders; otherwise, it’s $8 for all other bank accounts.
Availability: Inside bank branch and not online
Find a nearby TD Bank that sells cashier’s checks on Sunday.
19. UnionBank
UnionBank has about 400 branches in Washington, Oregon, and California. The bank offers a fee-free checking account, savings, CDs, money market, home refinancing, education savings accounts, SBA loans, payroll services, insurance services, 401k plans, trust services, merchant services, and online and mobile banking.
Customer Account Needed: Yes
UnionBank Cashier’s Check Fees: Flat $3 fee for all account holders
Availability: Inside bank branch and not online
Find a nearby UnionBank to purchase a cashier’s check.
20. USAA
USAA has diversified financial services to US military members, their families, and veterans.
The financial services company offers checking, early direct deposit, bill pay, reward credit cards, low-rate credit cards, cash back credit cards, auto loans with no prepayment penalty, pre-approved mortgages online, youth banking, motorcycle loans, boat loans, RV loans, and mobile banking.
Customer Account Needed: Yes
USAA Cashier’s Check Fees: Flat $10 fee for all account holders
Availability: Inside bank branch and not online
Visit a nearby USAA to get a teller check.
21. US Bank
US Bank has more than 2,000 branches across 40 states with more than 4,800 ATMs that you can deposit cashier’s checks and third-party checks for free. In addition, the bank usually makes $200 available using their check cashing apps with mobile deposits; the rest of the funds are likely available the next business day.
Make an appointment to buy a cashier’s check by either logging into the Wells Fargo mobile app, online banking portal, or visiting USBank.com.
US Bank is also known for managing and issuing the prepaid Reliacard debit card to deliver your government payments electronically.
Customer Account Needed: Yes
US Bank Cashier’s Check Fees: There are no fees for military service members; otherwise, it’s $10 for all other bank accounts.
Availability: Inside bank branch and not online
Find a nearby US Bank that sells treasurer checks.
22. Wells Fargo
Wells Fargo has over 8,000 branches and around 13,000 ATMs worldwide. As of 2018, Wells Fargo has the most ATMs in the US and services about one out of three households. Your funds are generally available the same business day if deposited before the cut-off time or non-business day.
See our detailed guide about Wells Fargo ABA routing numbers and wire transfers online.
Customer Account Needed: Yes
Wells Fargo Cashier’s Check Fees: No fees for Preferred, Portfolio, and Premier checking account holders; otherwise, it’s $10 for all other bank accounts.
Availability: Inside the branch or online for $18
Find a nearby Wells Fargo if you need to cancel a cashier’s check purchase from them.
23. Woodforest National Bank
Woodforest National Bank has about 740 branches in 17 states and more than 850 24-hour ATM access.
It offers financial services including overdraft services, insurance, merchant services, federal tax payments, cheap fax services, make photocopies for $1 per page, money orders cost $2 each, safe deposit boxes, wire transfers, traveler’s checks, temporary personal checks, and coin counting wrappers.
Customer Account Needed: Yes
Woodforest National Bank Cashier’s Check Fees: Flat $10 fee for all account holders
Availability: Inside bank branch and not online
Find a nearby Woodforest National Bank that offers bank draft checks.
24. Zions Bank
Zions Bank has over 120 branches in Idaho, Utah, and Wyoming. The bank offers no-fee money orders, traveler’s cheques, and cashier’s checks with a Premier checking account.
Customer Account Needed: Yes
Zions Bank Cashier’s Check Fees: No fee cashier’s check with Premier checking account
Availability: Inside bank branch and not online
Find a nearby Zions Bank to get free cashier’s checks.
Where Can I Get a Cashier’s Check Besides a Bank?
Credit unions are cheap places to get a cashier’s check beside a bank. So if you’re a member of a credit union, consider going for inexpensive financial services.
25. Alliant Credit Union
Alliant Credit Union is a not-for-profit owned by its members with over $14 billion in assets. It offers high-rate savings accounts, supplemental savings, kids savings, home equity line of credit, car buying service, RV loans, SEP IRA, trust accounts, accidental death insurance, whole life insurance, and more.
Customer Account Needed: Yes
Alliant Credit Union Cashier’s Check Fees: No fees for customers
Availability: Inside bank branch or request online
Find a nearby Alliant Credit Union that sells cashier’s checks.
26. BECU
BECU is a credit union created for Boeing employees. It’s a not-for-profit co-op that offers free checking, no maintenance fees, and no minimum balance with direct deposits times hit between midnight to 2 am PST.
Customer Account Needed: Yes
BECU Cashier’s Check Fees: $5 fee
Availability: Inside the bank branch or call to have a cashier’s check mailed to you.
Find a nearby BECU to purchase a cashier’s check.
27. Chartway Federal Credit Union
Chartway Federal Credit Union is a not-for-profit with over 30 branches in Texas, Utah, and Virginia. It has $2.5 billion with over 190,000 members. The full-service credit union offers traditional and digital financial services, including telephone, mobile, online, and video banking.
Customer Account Needed: Yes
Chartway Federal Credit Union Cashier’s Check Fees: $3 fee
Availability: Inside bank branch and not online
Find a Chartway Federal Credit Union for a place to get a cashier’s check near me.
28. Navy Federal Credit Union
Navy Federal Credit Union has around 350 branches that offer money transfers, cheap money orders, free checking accounts, savings, money market, CDs, IRAs, and access to more than 30,000 ATMs.
The Navy Federal Credit Union routing number is 256074974 for all states.
Customer Account Needed: Yes
Navy Federal Credit Union Cashier’s Check Fees: $5 fee
Availability: Inside bank branch and not online
Find a Navy Federal Credit Union to get a cashier’s check near me.
29. Northrop Grumman Federal Credit Union
Northrop Grumman Federal Credit Union has 24 branches in 7 states with about 30,000 surge-free ATMs. It even offers 5,500 7-Eleven convenience stores with co-op ATMs.
Customer Account Needed: Yes
Northrop Grumman Federal Credit Union Cashier’s Check Fees: $5 fee
Availability: Inside bank branch and not online
Find a Northrop Grumman Federal Credit Union to get a cashier’s check nearby.
30. PenFed Credit Union
PenFed Credit Union has 50 branches with over 2 million members worldwide. The bank offers free checking accounts, personal loans, auto loans, home equity, free coin counting machines for members, 24/7 online banking, and more.
Customer Account Needed: Yes
PenFed Credit Union Cashier’s Check Fees: No fees for customers
Availability: Inside bank branch and not online
Find a nearby PenFed Credit Union to get a certified check.
31. Tucson Federal Credit Union
Tucson Federal Credit Union has seven branches in Arizona that serve the Tucson school employees and families.
Customer Account Needed: Yes
Tucson Federal Credit Union Cashier’s Check Fees: $3 fees
Availability: Inside bank branch and not online
Order a cashier’s check for earnest money from Tucson Federal Credit Union here.
What Grocery Stores Sell Cashier’s Checks?
You may be able to cash a cashier’s check at a grocery store, and it’s worth noting that grocery stores don’t sell cashier’s checks. It can only be purchased from a bank or credit union.
As an alternative to cashier’s checks, you can buy large money orders at most grocery stores, like Publix, Walmart, and CVS. Filling out money orders are similar to cashier’s checks but are often cheaper and easier to buy.
However, money orders are restricted to smaller transactions of $500 or up to $1,000. If you need more money, you’ll need to buy multiple. For example, you can buy up to 3,000 per day as a money order maximum limit.
Grocery stores are among the best places to get money orders near me, but you can also find them at convenience stores, liquor stores, Western Union, MoneyGram service centers, and the post office for up to $3,000 per day.
What Banks Offer Cashier’s Checks To Non-Customers?
Cashier’s checks are reserved mostly for account holders at financial institutions. Thus, you’ll find very few banks that offer this service to people without a bank account.
But, you may want to make a sizable payment but don’t have an active bank account–no need to stress out. It’s possible to buy a cashier’s check without an account at some banks. One of the best places to get a cashier without a bank account is at SunTrust bank.
SunTrust has about 1,400 banks in 12 states. You can buy one inside a bank branch and not online.
Just open a new savings account or checking account at a credit union or bank to access financial services. Alternatively, you can buy a money order because it doesn’t require you to have a bank account at most places, like Walmart.
What Places Cash Cashier’s Checks Near Me?
If you want to cash a cashier’s check, there are several nearby places. Some will charge you for the service, while others offer free cashier check cashing services.
Banks and Credit Unions
Your bank or credit union is the best place to cash a cashier’s check without extra charges. However, if you’re a non-member or non-customer, expect to pay some fees for the service.
You’ll also be required to show a photo ID, so make sure to carry it. Members and customers, however, can cash a cashier’s check free of charge.
Check-Cashing Stores
You can also visit a cash checking store and cash your cashier’s check. Mr. Payroll, Speedy Cash, and Moneytree are expensive places to cash a cashier’s check.
Besides convenience, most cash checking stores accept all types of checks, including government, payroll, stimulus, tax refund, and more. So it’s unlikely for the outlets to turn you away. However, financial services at 24-hour check-cashing stores are often expensive. So it’s the worst choice if lead frugal everyday living.
Walmart
With nearly 5,000 locations across the country, Walmart is the best unbanked option to buy a cashier’s check nearby. The Walmart money centers also accept payroll, government, tax, and insurance settlement checks.
However, Walmart only sells cashier’s checks for $5,000 and below. Therefore, depending on the face value of your check, Walmart will charge between $3 and $6 per transaction.
What Does a Real Cashier’s Check Look Like?
Knowing what a real cashier’s check looks like can help you identify counterfeits and save yourself from getting scammed. An authentic cashier’s check has the payee’s name printed on it. If the payee space is blank or the issuing bank’s phone number is missing, it’s fake and not legit.
What Happens if you Deposit a Fake Cashier’s Check?
Although cashier’s checks are among the safest ways to make a payment, fraud cases can still arise. If you fall victim and deposit a fake cashier’s check, your bank will reverse the deposit from your account.
If you’ve already withdrawn some or all of the money, your financial institution will expect you to repay it. Your only option is to track down the payer and have them compensate you for the fraudulent check.
If you suspect that you’ve received a fake check, report the incident immediately so that the institution can flag the account. They’ll also monitor your account for any unusual activity and take relevant actions.
Regrettably, catching up with a scammer can be challenging. Most fraudsters live overseas, and if the bank took several weeks before discovering the fraudulent activity, that makes it even more difficult.
What are the steps to avoid depositing a fake cashier’s check?
- Be extra vigilant when accepting cashier’s checks.
- Reject high-priced checks that you don’t feel comfortable accepting
- Only transact with known payers
- Only accept cashier’s checks from local banks or banks with nearby branches to verify it’s authentic.
Where to Get a Cashier’s Check on Sunday?
It’s easy to find a cashier’s check on weekdays. But what happens when you need one on weekends when most banks are closed?
Can you really get a cashier’s check on Sunday? The short answer is yes.
These are some of the best places to buy a cashier’s check near me open now, including Sunday services.
Wells Fargo
Many of its branches are located in grocery stores. So it’s easy to get a cashier’s check on Sunday from Wells Fargo branches located in supermarkets. First, however, confirm their business hours before visiting the branch.
See our guide on where to find your Wells Fargo routing number.
Banks
Banks inside Walmart stores tend to be open on Sunday for financial services. The in-store banks are likely to offer cash checking services on Sunday between 10 am to 2 pm. However, it’s advisable to call ahead to confirm the hours of operation.
Here’s a list of banks where you can get a cashier’s check on Sunday:
- Academy Bank Midwest in Walmart locations
- American Savings Bank
- Armed Forces Bank
- Crest Savings Bank
- IBC Bank
- TD Bank
- Valley National Bank
If you want to cash a cashier’s check on Sunday, your best bet is to find a 24-hour check-cashing store near me.
What are Cashier’s Check Alternatives?
If cashier’s checks don’t work for you, consider alternatives to make a large payment. Top cashier’s check alternatives include certified checks, personal checks, money orders, wire transfers, direct ABA routing, and ACH transfers.
What’s the Difference Between an Official Check vs. Cashier’s Check?
There’s no difference between cashier’s checks and official checks. The terms can be used interchangeably to describe an official check issued by a credit union or a bank to guarantee that the recipient will receive a specific amount of money without fail. It’s done by the institution setting the funds aside before issuing the check.
Again, there’s no difference between a treasurer’s check vs. cashier’s check. Each refers to a check drawn and guaranteed by the financial institution.
What’s the Difference Between a Personal Check vs. a Cashier’s Check?
As the name implies, personal checks are issued by an individual. The money is drawn directly from the drawer’s checking account to cover the payment when the check is cashed. Both the payer and the payee must sign a personal check to endorse it.
Conversely, a cashier’s check will be issued by a credit union or a bank, and the teller or cashier often signs it for endorsement. The issuing institution guarantees the payment to the recipient.
What’s the Difference Between Cashier’s Check vs. Money Order?
Banks and credit unions only issue cashier’s checks, but you can get money orders in most places that offer money services. Thus, it can be challenging to get a cashier’s check since banks are not open 24/7 and Sundays, in most cases.
For less than $2, you can quickly get a money order from a convenience store, grocery store, drug store, or a post office.
Although cashier’s checks allow higher maximum limits, a money order still has a limit of $500 or up to $1000 in most cases.
What’s the Difference Between Cashier’s Check vs. a Certified Check?
Banks and credit unions can issue either a cashier or a certified check. However, a certified check is often drawn against the issuer’s checking account. The money is taken from their bank account to cover the payment. Therefore, a certified check bears the name and signature of the person issuing it.
Conversely, a cashier’s check is drawn against the financial institution’s funds and only bears the issuing institution’s name, and the teller or cashier often signs. But, again, the payment is guaranteed since money is set aside before the check is issued.
Some institutions do offer free cashier’s checks as well as certified checks. However, other places will charge you $10 to $20 for a cashier’s check and up to $15 if you want a certified check.
Can You Cancel a Cashier’s Check After it’s Been Deposited?
Yes, you can cancel a cashier’s check if it’s lost, stolen, or if you suspect any fraudulent activity. However, you’ll need to alert the issuing institutions immediately so that they can flag it and track the account for any anomalies.
Do Cashier’s Checks Have An Expiration Date?
While most institutions put the expiration date on the check, some banks place a time limit for when the funds are guaranteed. If the cashier’s check doesn’t have an expiration date, it remains valid if the issuing institution remains operational.
For those with an expiration date, the cashier check can be good for 60, 90, or even 180 days. Although in most cases, the checks will be cashed immediately, and expiration shouldn’t be a concern.
Where to Get a Free Cashier’s Check?
Based on your type of checking account, most banks offer free cashier’s checks as a perk to account holders.
Here’s a list of the best places to get a free cashier’s check nearby:
- Ally
- Bank of America
- Chase
- Citibank
- Fifth Third
- HSBC
- KeyBank
- PNC
- Regions
- SunTrust
- TD Bank
- US Bank
- Wells Fargo
- Alliant
- PenFed
Where Can I Get a Cashier’s Check Near Me Summary
While many businesses are restricted to issuing money orders of up to $1000, there isn’t a limit to the amount to get a cashier’s check. So although it may be nearly impossible to buy a cashier’s check for six figures or seven figures, there are some limits.
So, cashier’s checks offer the best option for large-dollar transactions. For one, they are safer than other payment methods like cash payments. You won’t need to handle enormous amounts of money. Instead, the document will represent the money you want to pay or receive.
Also, the checks bear the issuing bank’s name or the credit union and are drawn against the institution’s funds. Thus, the financial institution ensures the availability of the requested funds before the cashier or teller signs the form to authorize it. Thus, unlike personal checks that may bounce due to insufficient funds, cashier’s checks guarantee that the recipient will receive the indicated amount.
Rightly so, this is a reliable mode of receiving and sending payments. Though it’s more cumbersome than contactless payments like Apple Pay, Venmo, Google Pay, and PayPal, it allows for higher dollar amounts.
Remember, you can only buy cashier checks from banks and credit unions. The good thing is, most financial institutions have many branches that offer customers free money services based on the type of account.
