how to get a cashier's check

If needed, provide the payment for the check, then wait for the teller to print the cashier's check for you. Non-account holders are only able to purchase the cashiers check using cash. Would it be better to cash a cashier's check at the bank it is printed from or to open an account with that bank to protect myself from fraud? He has over 40 years of experience in business and finance, including as a Vice President for Blue Cross Blue Shield of Texas. As a result, the check is guaranteed to cash when presented for payment. The exact name of the person or business you’re paying. Your support helps wikiHow to create more in-depth illustrated articles and videos and to share our trusted brand of instructional content with millions of people all over the world. If you can't make it into a bank branch, you may be able to have a cashier's check sent to you. I would use it or recommend it to anyone else I know.". But there are situations where you may need to use a cashier’s check … You only have to worry about the check bouncing if the issuing bank goes under, which is highly unlikely. There should be a number on the back of the check to call and verify funds. unlocking this expert answer. The table below lists which payment types are typically accepted. You can neither send someone a cashier’s check electronically nor use it for spending online. We use cookies to make wikiHow great. A cashier’s check is a type of check issued by a bank or credit union and signed by a cashier or teller. All credit cards provide $0 liability guarantees that ensure you won’t have to pay for any fraudulent transactions. To get a cashier’s check, you provide the necessary funds to the bank, plus a fee of about $10, and then the bank writes the check. Our content is intended for informational purposes only, and we encourage everyone to respect our content guidelines. You can get a cashier's check at a bank, for a small fee (often around ten dollars), by following a very simple process.. Support wikiHow by The top ten banks in the United States have an average cashier's check fee of $9.10. Should you be handed a fake cashiers check, there's a good chance the bank may not detect it until days or weeks after depositing it, but by then the buyer is long gone, leaving you neck deep in a financial hole. Only a few banks such as Wells Fargo (branch-based) and Ally Bank (online-only) allow customers to buy cashier’s checks online. Click “Account Services and Settings” located under your account’s balance information. Personal checks can be used to pay bills, make purchases or pay debts owed to someone else. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Related: This Is How Long It Takes for a Check to Clear at Your Bank. Can I purchase a cashiers check with a credit card? Request the Check In person: You can walk into most brick-and-mortar banks to get a check issued. He has over 40 years of experience in business and finance, including as a Vice President for Blue Cross Blue Shield of Texas. The teller may have to sign the check for you, he may use a stamp, or another method of verification. A certified cashiers check is the next best thing to cash, but the risk of fraud still exists. Give the payee name, check amount, and your ID to the teller. Or if you have an account there, you need to have the amount in your account and the bank will withdraw it, moving it to the bank’s own account. Amid the current public health and economic crises, when the world is shifting dramatically and we are all learning and adapting to changes in daily life, people need wikiHow more than ever. Preparing the Necessary Information and Documentation, {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/3\/36\/Get-a-Cashier%27s-Check-Step-1-Version-2.jpg\/v4-460px-Get-a-Cashier%27s-Check-Step-1-Version-2.jpg","bigUrl":"\/images\/thumb\/3\/36\/Get-a-Cashier%27s-Check-Step-1-Version-2.jpg\/aid1382055-v4-728px-Get-a-Cashier%27s-Check-Step-1-Version-2.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"