Cashier’s Check Near Me? Where to Get Cashier’s Check, Nearby to Most

A cashier’s check, also referred to as an official check, is a paper check that represents a payment directly from the bank, rather than a personal account. The bank’s name is imprinted on the check, and the funds are guaranteed by the bank. Cashier’s checks are also pre-printed with the name of the payee (the person or business that will receive the check), making them a highly secure and relatively risk-free form of payment.

Cashier’s checks are used in lieu of cash or personal checks to make a transaction more secure. They are often required for down payments on houses or vehicles, and many companies use them when conducting business with other companies. You may also use them personally if you want send payment to, or receive payment from, a stranger for a business transaction (e.g., selling a vehicle on Craigslist).

In this article, we’ll cover what you need to know about cashier’s checks: what they are, what they’re used for, and how and where to buy them.

In This Article

How Do You Purchase a Cashier’s Check?

You’ll need to go to your bank or credit union to purchase a cashier’s check. You must go inside the establishment and receive assistance from a teller. To get a cashier’s check, you’ll need:

  • A government-issued ID, such as a driver’s license or passport
  • The name of the payee
  • Sufficient funds to cover the check amount

You can typically use either cash or the balance of your bank account to fund a cashier’s check. A few banks or credit unions may let you use a debit card for the entire amount. Personal checks, credit cards, and prepaid debit cards can’t be used to purchase a cashier’s check.

What If You Lose a Cashier’s Check?

Please see our article: How to Cancel a Cashier’s Check — Whether You Still Have It or Not

Places Where You Can Get a Cashier’s Check

You can buy a cashier’s checks at the following financial institutions. In most cases, you’ll need to be an account holder to purchase a cashier’s check, but a few banks will allow non-customers to purchase cashier’s checks, usually for a higher fee.

We called each of the bank offices to verify their policies and fees regarding cashier’s checks to make sure you receive the most accurate and current information.

Banks That Sell Cashier’s Checks

1. Bank of America

  • Account needed for cashier’s check purchase? Yes
  • Cashier’s check fees: Free for Interest Checking account holders; $10 for Core Checking account holders
  • Find a Bank of America branch near you

2. Capital One Bank

Note: Capital One will allow account holders to purchase cashier’s checks online for around $20. Check with your local branch for details.

3. Chase Bank

  • Account needed for cashier’s check purchase? Yes
  • Cashier’s check fees: Free for Premier Plus and Premier Platinum account holders; $8 for Total Checking and Student Checking account holders
  • Find a Chase branch near you

4. Citibank

  • Account needed for cashier’s check purchase? Yes
  • Cashier’s check fees: Free for Citi Priority and Citigold account holders; $10 for all other Citibank account holders
  • Find a Citibank branch near you

5. Fifth Third Bank

  • Account needed for cashier’s check purchase? Yes
  • Cashier’s check fees: Free for Preferred and Private Bank account holders; $7 for all other account holders
  • Find a Fifth Third Bank branch near you

6. HSBC

  • Account needed for cashier’s check purchase? Yes
  • Cashier’s check fees: Free for Premier account holders; fees vary for Basic and Choice account holders. Contact your local bank for details
  • Find an HSBC branch near you

7. Huntington Bank

For information on the credit card offered by Huntington Bank, see our article.

8. KeyBank

  • Account needed for cashier’s check purchase? Yes
  • Cashier’s check fees: Free for Key Privilege and Key Privilege Select account holders; $8 for all other account holders
  • Find a KeyBank branch near you

9. PNC Bank

  • Account needed for cashier’s check purchase? Yes
  • Cashier’s check fees: Free for Performance Checking account holders; $10 for all other account holders
  • Find a PNC branch near you

10. Regions Bank

11. SunTrust

  • Account needed for cashier’s check purchase? No
  • Cashier’s check fees: Free or $8 for account holders, depending on account type; $15 for non-customers
  • Find a SunTrust branch near you

12. TD Bank

  • Account needed for cashier’s check purchase? Yes
  • Cashier’s check fees: Free for Sixty Plus, Premier, Private Premier, Relationship, Private Relationship, Private Tiered, 50 Plus, and Private 50 Plus checking account holders and select savings and money market account holders; $8 for all other account holders
  • Find a TD Bank branch near you

13. Wells Fargo

Note: Some Wells Fargo branches will allow you to purchase cashier’s checks online for around $18. Check with your local branch for details.

  • Account needed for cashier’s check purchase? Yes
  • Cashier’s check fees: Free for Preferred, Premier, and Portfolio Checking account holders; $10 for all other account holders
  • Find a Wells Fargo branch near you

Credit Unions That Sell Cashier’s Checks

Please note that you’ll need an account at all of these credit unions in order to purchase cashier’s checks from them.

1. Alliant Credit Union

Note: Alliant cashier’s checks are called “Official Credit Union Checks,” but function just as cashier’s checks do. Alliant members can get cashier’s checks by going to any branch, or by calling a branch office or requesting them through online banking services.

2. Chartway Federal Credit Union

Note: Chartway cashier’s checks are called “Credit Union Checks,” but function the same as a cashier’s check.

3. Northrop Grumman Federal Credit Union

4. PenFed Credit Union

5. Tucson Federal Credit Union

Understanding Other Secured Personal Check Alternatives

There are a couple of other alternatives to personal checks — certified checks and money orders are two other types of pre-paid money instruments you might use to make payments. Be sure not to confuse them with cashier’s checks, and be sure you’re using the right kind!

What Is the Difference Between a Cashier’s Check and a Certified Check?

Cashier’s checks are paid directly from the bank, while a certified check is a personal check from your own account that’s certified by the bank. Certified checks are signed in the presence of a bank official once the bank has guaranteed that the funds are available in your account. Cashier’s checks are often seen as a more secure form of payment, as the funds are guaranteed by the bank.

You can learn more about certified checks through our article, Where to Get a Certified Check.

What Is the Difference Between a Cashier’s Check and a Money Order?

Money orders are another paper alternative to cash. They are a secure form of paper payment, with funds that are guaranteed by the issuer. You can purchase money orders through Western Union or MoneyGram agents, and through the United States Postal Office (USPS).

While they’re nearly as secure as cashier’s checks, money orders are usually limited to a maximum amount of $1,000, whereas there is no limit to the amount you can place on a cashier’s check. This means cashier’s checks are a better choice for large transactions, as you can keep the whole amount to one piece of paper rather than buying (and paying for) multiple money orders.

Learn more about where to buy money orders and the maximum amount you can purchase a money order for through our article, Maximum Amount for Money Orders at 20+ Places That Sell MOs.

In Summary

If you’re purchasing a large item and want to make sure the transaction is secure, a cashier’s check is often chosen. You can purchase cashier’s checks at a number of banks and credit unions, and you may even be able to get them for free, depending on the type of bank account you have.

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  • Am told that Bank of America requires an account for a cashier’s check. Will not issue for non-account holders.