To get a cashier’s check, you need to visit a legitimate financial institution, such as your bank or credit union. Note that most financial institutions will only issue a cashier’s check if you have an account with them. If you don’t have an account, you might be able to get one from a credit union, but this is not guaranteed. Further, if you get a cashier’s check from a financial institution where you don’t have an account, you’ll need to cover the full amount in cash.
To get a cashier’s check from your bank or credit union, it’s much like any other in-person transaction; although, you may be asked for some form of identification. The funds will be drawn from your account, or you can pay in cash. Since the check will be issued by the bank or credit union, you’ll need to tell them how much the check is to be written for and to whom the check is for; all of this information will be officially printed out on the check. You can also add a memo, similar to a personal check.
In most cases, the certified check comes with an additional processing fee that you’ll need to pay as well. Unlike a personal check where your banking information, such as your account number, is printed on the check, a certified cashier’s check will instead have the financial institution’s information. This can be a more secure way to send money if you’re worried about giving people or businesses personal information.