In this article, we’re answering “Where to get a cashier’s check?”
This will include discussions about the most common places to get a cashier’s check and answers to common questions about checks and other financial instruments.
This article is part of our free series on sending money, including the ultimate guide to bank checks, which you can access here.
Feel free to use the table of contents to jump ahead to the sections most relevant to you.
Table of Contents
- Where to Get a Cashier’s Check
- Cashier’s Checks vs Money Orders
- Frequently Asked Questions
- Do You Want Help Opening Bank Accounts?
Where to Get a Cashier’s Check?
You can get a cashier’s check from a wide range of locations, including banks and other financial institutions, various retail locations, grocery stores, and other merchants that offer basic levels of financial services.
Not surprisingly, most people choose to get cashier’s checks at banks. Banks are one of the most convenient options, though it does require an in-person visit in most cases.
As mentioned, certain retail locations (e.g. Walmart) and grocery chains offer cashier’s checks as well. That said, when considering options outside of banks and credit unions, the availability of checks will vary. So, it’s worth contacting retailers first to confirm whether this is a service they offer before visiting.
Can I Get a Cashier’s Check From My Account?
Yes, you can usually obtain a cashier’s check from your bank account as long as your bank offers this service, which most do. In most cases, any customer of the bank can visit a branch and request a check.
That said, you will need to provide the necessary details in order to obtain a check. These details include the recipient’s name and the exact amount to be issued on the check. The bank will then verify the availability of funds in your account and issue the check in the requested amount.
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Cashier’s Checks vs Money Orders
The main difference between cashier’s checks and money orders is that cashier’s checks are issued by a bank, while money orders are usually issued by commercial entities or merchants.
Additionally, cashier’s checks can usually be issued for high limits while money orders usually have restrictions on the amount that they can be used for. In other words, checks are suitable for larger transactions, while money orders are primarily used for smaller transactions.
Lastly, cashier’s checks are paid for with the funds in a bank account, while money orders are paid for at the time of purchase.
Not surprisingly, it’s important to consider your specific needs, the transaction amount, and the requirements of the recipient before deciding whether to use a check or money order.
Frequently Asked Questions
Below are a few of the most common questions we receive from people looking into this topic. If you have further questions you would like to ask our team, don’t hesitate to get in touch.
Can I Use a Cashier’s Check Online?
No, you cannot use a cashier’s check online. Checks are physical instruments, and you are unable to process them electronically. That said, certain banks do offer electronic alternatives, including online bill payment services.
Can I Put a Stop Payment Order on a Cashier’s Check?
No, in most cases you cannot put a stop payment on a cashier’s check. This is because, unlike personal checks, cashier’s checks are considered guaranteed funds after they have been issued. So, it’s important to ensure the accuracy of the details before obtaining a check and submitting it to the recipient.
How Long is a Cashier’s Check Good For?
In most cases, a cashier’s check is good for 90 to 180 days. However, if you have had a cashier’s check for more than three months, it is best to confirm with the person or business that issued the check before cashing. In certain instances, they may want to confirm with the issuing bank to see if there are any specific guidelines.
How Do You Know When a Cashier’s Check is Cashed?
To know when a cashier’s check is cashed, you can monitor your bank account to see when the withdrawal takes place. In short, keep track of your account balance and review your transaction history. Once the check is cashed, you will see that the funds have been withdrawn.
Where Can I Get a Cashier’s Check That’s Not a Bank?
You can get a cashier’s check at many locations that are not banks. This includes other financial institutions like credit unions. You can also get a check at various merchants like retail locations, grocery stores, and other service providers that offer money-related services.
Can I Get a Cashier’s Check at Walmart?
Yes, you can get a cashier’s check at most Walmart locations. In fact, many Walmart locations have service desks dedicated to financial services. Alternatively, you can also get a check at a customer service desk. Of course, Walmart will charge a fee for selling you a check. That said, before visiting Walmart it’s always best to call beforehand to ensure they offer this service.
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