How to Send a Cashier's Check

A cashier's check is a special kind of check prepared by your bank. Like a personal check that you would write and tear out of your checkbook, a cashier's check gives the payee (the person you make the check out to) money from your checking account. The only difference is that with a cashier's check, your bank certifies that you have the funds in your account. This is safer than accepting personal checks, since they won't bounce, and cannot be forged easily.

If you need to pay for something via a cashier's check, here's how you can obtain one.

Instructions

1. First, verify that you have the funds in your account by either looking at your checkbook balance, or by viewing your bank balance online if you have that option available. Many banks charge a small fee for preparing cashier's checks, so you may need to have about $5 extra.

2. Once you have verified that you have enough money in your checking account, go to your bank and present the teller with your account number, the dollar amount of the check, and who it is made out to. In a few minutes the teller will have processed a fancy looking check for you. Now you can deliver or mail it to the recipient.

3. Another method is to request the cashier's check through your bank's online banking system. Login to your account, and select the option for sending checks. You will need to have the payee's name, the amount of the check, and mailing address of the payee. Within one business day your bank will process a cashier's check and mail it directly to the recipient. With this method, there is no need to physically visit the bank.