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Like many people, you may not be familiar with cashier’s checks, how they function and when they might be needed. However, they can be very useful, and they’re typically fairly easy to get. Here’s a look at the purpose and use of cashier’s checks, and detailed information on how you can get a Wells Fargo cashier’s check when you need one.
Can I Get a Cashier’s Check From Wells Fargo?
You can get a cashier’s check at Wells Fargo by visiting a branch, or you can order one online if the amount of the check is $2,000 or less.
Wells Fargo charges a fee of $10 per check. If you wish to have a Wells Fargo cashier’s check mailed to an address within the U.S., you’ll be charged an additional delivery fee of $8.
Wells Fargo will only send cashier’s checks to physical addresses within the U.S. and won’t deliver to P.O. boxes.
What Do You Need To Get a Cashier’s Check at Wells Fargo?
If you’re visiting a branch in person, you’ll need to bring along a valid government-issued ID, which can be your driver’s license, passport or another acceptable form of proof of identity.
You’ll need a Wells Fargo account with sufficient funds to cover the amount of the Wells Fargo cashier’s check and any associated fees. You’ll also need to provide the full name of the check’s recipient, their address if you want to request delivery, and the exact amount you wish the cashier’s check to be good for.
Aside from the in-person method, you can get a cashier’s check for an amount of up to $2,000 via online banking. With Wells Fargo’s online banking, check for the option to order a cashier’s check from within your Wells Fargo member portal.
The website will show you instructions to enter the recipient’s full information and options for the delivery method (either in-person pickup or by mail). Remember that you’ll need enough money in your account to cover the amount of the check and any fees.
Regardless of the method you choose, remember to verify the spelling of the recipient’s name and the exact amount of the check before submitting the request. You’ll also need to keep any form of receipt Wells Fargo may provide as proof that you paid for the cashier’s check.
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Processing times can vary. In-person cashier’s check requests are typically handled immediately. Delivery to recipients in Alaska and Hawaii can take up to three business days.
Cashier’s Checks 101: How They Work
When you use a cashier’s check, you’re taking an extra step by getting the bank involved with the process. Unlike checks drawn on a personal account, cashier’s checks are cashed on the bank’s own funds. A cashier’s check from a bank as large and established as Wells Fargo lends significant credibility to a transaction and serves as a form of guarantee that the cashier’s check will be honored in full.
Before issuing a cashier’s check, the bank withdraws money from your account in the amount of the cashier’s check and essentially sets that money aside. This provides an additional layer of protection for the buyer. Cashier’s checks can’t bounce, as they’re guaranteed by the issuing bank.
Times When You Might Need a Cashier’s Check
Any time you’re buying or selling a big-ticket item, you’ll want to be sure the transaction goes off without a hitch. If you’re selling, you’ll want to be sure you’ll have access to the funds you’ve been promised. Cashier’s checks are one easy way to eliminate some of the uncertainty when a large amount of cash is trading hands. If you’re buying, you might find a cashier’s check is one of the conditions of sale.
Final Take
If you want an extra layer of security in your transaction, a cashier’s check from Wells Fargo is one way to guarantee it. The bank offers cashier’s checks in several convenient ways. Ask a representative at your local Wells Fargo branch or visit the online portal to start the process.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
