Obtaining a cashier’s check is relatively easy process that can be accomplished at almost any full service bank.  Most banks issue cashier’s checks to their customers while some banks will issue cashier checks to non-banking customers as well.

To get the cashier’s checks, the customer needs to make the request to the teller or other bank representative.  The process to obtain the check usually requires the bank customer to complete a cashier’s check request form.  The form is used to indicate the amount of the cashier’s check requested along with the name and account number of the individual requesting the check. 

A cashier’s check is a check drawn by a bank on itself as opposed a standard check that is drawn on the account of customer.  In order for the bank to issue the cashier’s check on behalf of the customer, the check has to be paid for in advance. 

The bank will process the check as indicated of the request form or per verbal instructions if a form is not used and then the bank will debit the account when the check is issued.  Since the bank will debit the customer’s account immediately to cover the amount of the cashier’s check, there must be sufficient available funds in the customer’s account.  Funds that have not cleared or have a hold placed on them will not be available to cover the amount of the cashier’s check.  There has to be sufficient liquid funds in the account or brought to the bank in order to obtain the cashier’s check.

Both, customers of the bank and non bank customers, may have to pay a small fee to obtain the cashier’s check.  Once the check is issued and paid for, the requesting party is free to deliver the check to the recipient.

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