How to Get a Cashier's Check

You can get a cashier's check through the teller at your bank.

Cashier's checks are issued by a bank to an individual for certain situations where the check must be guaranteed not to bounce, such as a down payment on a house or for an escrow payment. Because you essentially purchase a cashier's check with cash at the bank, the check is guaranteed when it is presented for payment. Banks offer this service to their customers for a fee, and many banks will also offer this to non-customers. The procedure to get a cashier's check is simple.

Instructions

1. Be sure you have sufficient funds in your account to cover the amount of the check, plus any fee, if you are getting the check from the bank where you have your savings or checking account.

2. Determine if a bank where you do not have an account will issue you a cashier's check. If it will, you need to present the cash for the amount of the check along with enough money to cover the bank's fee.

3. Speak to any teller to start the process. You will not be able to get a cashier's check at the drive-through. Have your account information ready so the teller can verify if you have an account with the bank. You also may need to show identification, such as your driver's license.

4. Give the teller the exact name of the person to whom the check is to be made out along with the amount of the check. The teller will draft the check for the amount you've specified, sign it and give you the check.

5. Retain the portion of the check that notes to whom the check was written and the amount for your records. The signed portion is for the payee.

References

• Money & Business; The Benefits of Using Cashier's Checks; Laura Townshend