Need a cashier’s check but don’t have a bank account? You’re not alone. Many people use cashier’s checks to pay rent, make large purchases, or handle secure transactions. The good news: you can get a cashier’s check without having a traditional bank account. This guide explains the best places to get one, what to bring, how much it costs, and the safest alternatives.
Can You Get a Cashier’s Check Without a Bank Account?
Yes. While banks usually issue cashier’s checks to their own customers, several financial institutions and money service providers will issue cashier’s checks to non-customers for a fee—especially if you pay in cash or with verified funds.
Best Places to Get a Cashier’s Check Without a Bank Account
1. The Bank That Will Accept Cash Payments
Some banks allow non-customers to purchase a cashier’s check if you pay the amount in cash or with another verified method. This varies by institution and branch.
- Fee: $10–$15
- ID required: Yes
- Tip: Call ahead to confirm your nearest branch’s policy.
2. Credit Unions That Accept Cash Transactions
Some credit unions issue cashier’s checks to non-members if you pay in cash. Not all locations do this, but it’s worth checking with local branches.
- Fee: $5–$10
- Speed: Immediate
- Requirement: Government-issued ID
3. Check-Cashing Stores
Money service businesses (MSBs) like ACE Cash Express or local check-cashing shops often issue cashier’s checks without requiring an account.
- Fee: Higher (1–5% or flat rate)
- Convenience: Good if your bank is closed
- Verification: They may verify funds before issuing
4. Money Order Alternatives (Cheaper and Easier)
If the recipient accepts money orders, this is often the fastest and most affordable alternative to cashier’s checks without a bank account.
- Where to buy: Walmart, USPS, 7-Eleven, Kroger
- Cost: $1–$5
- Limit: Usually $1,000
What You Need to Get a Cashier’s Check
- Valid ID (driver’s license, passport, or state ID)
- Exact amount (cash or verified funds)
- Recipient’s name — cashier’s checks cannot be blank
How Much Does a Cashier’s Check Cost?
- Banks for non-customers: $10–$15
- Credit unions: $5–$10
- Check-cashing stores: 1–5% of the check amount
- Money orders: $1–$5
People Also Ask
Can I get a cashier’s check with cash only? Yes. Some banks and check-cashing stores allow cashier’s checks purchased fully in cash.
What’s the cheapest way to get a cashier’s check? Credit unions often have the lowest fees for non-members.
Are money orders the same as cashier’s checks? Not exactly. Money orders have lower limits but are cheaper and easier to get without a bank account.
Can I get a cashier’s check online without an account? No. Banks require an account to issue a cashier’s check online.
Do cashier’s checks have limits? Not usually. Money orders do ($1,000), which is why cashier’s checks are used for larger transactions.
Conclusion
You can get a cashier’s check without a bank account through select banks, credit unions, and check-cashing stores. If you want a cheaper alternative, money orders work for most everyday payments. Always bring valid ID, know the exact amount you need, and confirm fees before visiting.