You Can Get a Cashier’s Check Without a Bank Account | See How

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Cashier’s checks are frequently used for large transactions since they are secured by bank or credit union money and clear faster than conventional checks.

As long as the cashier’s check is genuine, there is no possibility of the check bouncing. If it does bounce, the bank, not you, will be held liable.

In this post, we will take you through all you need to know about cashier’s checks, including how to obtain one and what to use in their place if you need another option.

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What is a Cashier’s Check?

Also known as teller’s checks, Cashier’s checks are checks that are paid using the bank’s own funds. They’re as good as cash in the bank because, well, they’re cash in the bank.

When a bank issues a cashier’s check, it guarantees to pay the amount written on the check. A genuine cashier’s check will never bounce.

You must bring the cash to the bank to obtain a cashier’s check.

If you have an account there, you must have the money in your account before the bank will withdraw it and transfer it to the bank’s account.

When the payee cashes the cheque, the funds become accessible.

A cashier’s check differs from a personal check in that the funds are taken from a bank account.

A personal check draws money from your account, which may or may not be sufficient to cover the check.

Furthermore, it is impossible to cancel a cashier’s check once it has been completed. To stop payment on a personal check, just shred it or call the bank.

When to Use a Cashier’s Check

When making significant payments that cannot be covered by credit cards, debit cards, or regular checks, cashier’s checks are widely utilized.

  • They are especially useful if the payee needs confidence that the check will not bounce. A cashier’s check can be used for the following purposes in business:
  • Purchasing expensive equipment
  • Making down payments on a house
  • Taking care of mortgage closing fees
  • Purchasing a corporate car, land, and so forth.
  • Paying off a large debt
  • In brief, cashier’s checks are best used for large transactions rather than routine expenditures.

To avoid payment fraud, you can also utilize a cashier’s check.

These checks are often watermarked and signed by one or two bank workers, making them extremely secure and hard to forge.

Furthermore, you will not be required to reveal your company or personal banking information to the recipient.

This is due to the fact that cashier’s checks are drawn from the bank, not your personal or corporate account.

A cashier’s check also has the advantage of clearing rapidly. The payee usually receives funds the next working day.

When you need a payment to clear fast, it makes sense to utilize a cashier’s check.

It’s also worth noting that you can suggest that your clients and debtors utilize cashier’s checks when making large payments.

This ensures that your company receives the money in full and on schedule, regardless of the amount.

Where Can I Get a Cashier’s Check?

A cashier’s check can be obtained in three places: a bank, a credit union, and online. Most banks and credit unions exclusively issue cashier’s checks to their own customers.

As a result, if you already have a business account with a financial institution, that is the ideal location to begin your search for a cashier’s check.

Here’s how to receive a cashier’s check at a bank or credit union:

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1. Gather your information

The information should include the payee’s name, the amount payable, and a photo ID as evidence of identification.

If any of this information is missing, a bank or credit union will not issue you a cashier’s check.

As a result, it’s critical to gather your documents and information before visiting your bank or credit union.

This will save you time and guarantee that you can make your large-ticket purchase without difficulty or delay.

2. Visit your Bank or Credit Union

If your company is already a customer of a bank or credit union, go to the local branch and speak with a teller.

The teller will issue you a cashier’s check.

You must identify the account into which the payments will be withdrawn. This is your company’s checking account.

Why? Because while a cashier’s check is written on the bank’s money, you (the payor) provide the cash.

3. Pay any Fees that May Apply

Most credit unions and banks charge a fee for cashier’s checks.

While this cost typically varies from $6 to $10, your bank may charge more or less. Some even provide complimentary cashier’s checks to premium account customers.

After you have paid your fee and signed your check to pay the third party for whatever you are purchasing, you should get a receipt.

This ensures that you have evidence of purchase in the event that the check is lost or stolen. For example, if the third party claims that the check did not clear, was misplaced, or any other event that requires you to pay a second time.

You might also have the cashier’s check mailed to you instead of visiting a bank.

This entails ordering the cashier’s check via the bank or credit union’s website.

They will very certainly charge you a fee for the check as well as postage or delivery.

This is an excellent alternative for individuals who do not need to make a purchase right away.

However, when you request cashier’s checks to be sent to your location, you face the chance of them becoming misplaced, which may be a hassle in and of itself.

As a result, this is something you should remember. Your bank or credit union, on the other hand, may provide a protected courier service as an added layer of security. 

If you are unable to obtain the information online, the best thing to do is phone your bank and chat with a teller about your alternatives.

Where to Get a Cashier’s Check Without a Bank Account

It might be tough to obtain a cashier’s check if you don’t routinely conduct business with a bank or credit union.

When you request a cashier’s check, the bank first examines your account to make sure you have the amount you need to pay available.

Subsequently, this money in your account is transferred to the bank’s account. This method is impossible if you do not have a bank account.

However, some banks and other financial institutions may allow you to purchase a cashier’s check without an account.

Call the different banks near you to see whether this is an option. You will generally need to pay cash for the cashier’s check if you don’t have an account where the funds can be withdrawn.

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Opening a Bank Account

You can also create an account at a bank to take advantage of services available only to clients, such as obtaining cashier’s checks.

Keep in mind that non-cash deposits at a bank can take some time to clear, so if you deposit a paycheck or other check to replenish your account, the money may not be immediately accessible for withdrawal through cashier’s checks or other ways.

Contact local banks to learn about their new account funds availability regulations, particularly how they relate to cashier’s checks.

Cashier’s Check Vs. Money Order

A money order is a type of alternative to a cashier’s check. This is a document that resembles a check but is totally prepaid.

Thus it is unlikely to bounce like a cashier’s check.

They’re occasionally used to pay for significant purchases like vehicles or apartment deposits, especially with parties you’ve never done business with before, and they’re also used in place of checks by those who don’t have bank accounts.

Money orders are available through a variety of companies, including supermarkets, convenience shops, drugstores, and check-cashing outlets.

They normally send the money order using a money transfer company like MoneyGram or Western Union. United States Postal Service and other post offices across the world also issue the Money order.

In any case, where you need a cashier’s check, a money order will serve. But before you buy a money order, make sure the person you’re paying will take it instead of a cashier’s check.

What are the Differences Between a Personal Check & a Bank Check?

A cashier’s check differs from a personal check in that the latter is taken from the payor’s checking or savings account, whereas a cashier’s check is drawn from the bank’s money.

As a result, a cashier’s check is unlikely to bounce, but a personal check may bounce if the payor does not have adequate funds.

Furthermore, cashier’s checks are more secure and less vulnerable to fraud than personal checks. As a result, cashier’s checks are more suited for business transactions.

Your information (and that of your business) is always secure, so you can rest certain that your money is in safe hands and that you have taken the necessary steps to protect your assets.

What are the Alternatives to a Cashier’s Check?

There are a few alternatives for people who do not want to pay the cashier’s check charge. However, some of them include an extra price. Before proceeding, you should verify with your bank immediately.

Here are the three most common options:

Related: Money Order Machine: All You Need to Know

1. Money Order

Perhaps the most viable alternative to a cashier’s check is another form of guaranteed payment.

A money order, which is another type of guaranteed payment, is perhaps the most practical alternative to a cashier’s check.

They are easily available because they may be purchased through banks, post offices, and certain retail businesses. A money order can be purchased using cash or a debit card.

Just note that money orders tend to have a cap amount of $1000. Cashier’s checks don’t have these limits, making them more useful for larger payments. Money orders may be more handy depending on the magnitude of your transaction.

2. Certified Checks

A certified check is similar to a cashier’s check, but it is drawn straight from your bank account.

It’s still effectively a personal check, but it’s signed by you and the bank. This signifies that the bank guarantees the check’s amount to the payee.

However, if there is insufficient money in your account to cover it, you must pay any associated bank costs.

A certified check is less secure than a cashier’s check since it lacks the same watermarks, making it easier to forge.

A certified check, on the other hand, is a more secure means to pay than a money order or a personal check.

3. Wire Transfer

Finally, consider wire transfers. This generally entails transferring funds from one bank account to another. If you prefer to pay in cash, you can conduct a wire transfer online or at a bank office.

You’ll need the recipient’s bank, routing number, and account number to make the transfer. The receiver has nearly quick access to the funds, making it an excellent choice for long-distance transfers.


Can I get a cashier's check at Walmart?

Walmart is not a bank and cannot issue a cashier’s check. A Walmart MoneyCenter, on the other hand, may handle a variety of financial transactions on behalf of clients. Walmart MoneyCenters offer the following services and products: Credit cards.

What's the easiest way to get a cashier's check?

You can get a cashier’s check by visiting your bank branch or credit union or going to its website if it offers these checks online. If you don’t want to use a cashier’s check, other options include money order, certified check, wire transfer, or social payment app.

You can order a cashier's check online quickly and easily.

When you need a cashier’s check for a major transaction, there’s no need to find a branch.

What do I need to get a cashier's check?

Here’s a quick rundown of steps to get a cashier’s check:

  1. Have the exact amount and recipient’s name ready before requesting the check, as well as personal identification.
  2. Visit a nearby branch and request the check from a teller.
  3. Pay the check amount plus any applicable fee.
  4. Get a receipt.

What's the limit on a cashier's check?

Cashier’s Checks are Good for Large Purchases

Although the policy may change from bank to bank. Generally, there’s no upper limit for a cashier’s check. The payee typically has quicker access to a larger amount of funds with a cashier’s check.

Can you get cashier's check from any bank?

You can walk into any bank or credit union and ask for a cashier’s check. However, some institutions only issue checks for customers, so you may have to try several different locations (or open an account)


Cashier’s checks are a safe way to pay large sums of money. They have funds available almost immediately and little risk of check bouncing.

These assurances make cashier’s checks the payment method of choice for major purchases. 

Some banks and other financial institutions may allow you to purchase a cashier’s check without an account. Call banks near you to check whether this is a possibility.

However, you will generally need to pay cash for the cashier’s check if you don’t have an account where the funds can originate.

In conclusion, if you’re wondering where to get a cashier’s check without a bank account, a money order might be a better option.


  • – How to get a cashier’s check without a bank account
  • – What Is a Cashier’s Check, and Where Can You Get One?
  • – What a Cashier’s Check Is and Where to Get One
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