Many people who need secure funds for large transactions wonder: how much does a cashier’s check cost at Wells Fargo? Whether you’re buying a car, a home, or sending a guaranteed payment securely, knowing the fee structure for cashier’s checks can help you plan ahead. Wells Fargo offers cashier’s checks with transparent pricing for most customers, but certain accounts provide fee waivers. This topic explores the cost of a cashier’s check at Wells Fargo, optional delivery fees, exceptions, and how it compares with other banks.
Standard Fee for Wells Fargo Cashier’s Check
Wells Fargo charges a fee of$10for each cashier’s check issued, whether ordered in-branch or online. This is the standard fee for most checking and savings account holders who do not qualify for fee waivers.
Online Ordering and Delivery Fee
If you order a cashier’s check online to be mailed to a U.S. address, an additional delivery charge of$8applies, making the total cost$18. This delivery option is available for checks up to $2,000; for larger amounts, you must visit a branch.
Fee Waivers for Certain Account Types
Certain Wells Fargo accounts provide fee waivers for cashier’s checks:
- Prime Checking accounts: No fee for cashier’s checks or money orders.
- Premier Checking accounts: Also include no fee for cashier’s checks and money orders as a standard benefit.
If you hold these accounts and meet the balance requirements, you can obtain cashier’s checks without paying the standard $10 fee.
How Does Wells Fargo Compare to Other Banks?
Most major U.S. banks charge similar fees for cashier’s checks. For example:
- Chase and Bank of America typically charge between $10 and $15 per cashier’s check.
- Some community banks or credit unions may charge lower fees or offer free cashier’s checks for members.
Wells Fargo’s $10 fee aligns closely with the industry norm, and its fee waivers on premium accounts make it competitive.
Additional Policies and Considerations
Ordering Limits
You can order cashier’s checks online up to $2,000; larger amounts require in-branch processing.
Address Restrictions
Checks ordered online can only be mailed to U.S. addresses (no P.O. Boxes). Delivery to Alaska and Hawaii may take up to three business days.
Lost Checks and Reissuance
If a cashier’s check is lost, stolen, or destroyed, you can request a stop payment and reissuance but only in person at a branch. For checks over $1,000, you may need to wait up to 90 days before reissue unless you purchase a surety bond. Fees for stopping payment are waived, but the waiting period still applies unless bonding is provided.
Quick Fee Summary
- Standard fee in branch:$10 per cashier’s check
- Online order with shipping:$10 + $8 delivery = $18
- Prime Checking & Premier Checking accounts:No fee
Reasons to Choose a Cashier’s Check
A cashier’s check is often preferred when:
- You need a guaranteed form of payment backed by the bank.
- You’re completing high-value transactions like home or vehicle purchases.
- The recipient requires secure, verified funds.
What You Should Know Before Ordering
- Have sufficient funds available in your account before ordering.
- Bring proper identification when requesting a check in branch.
- Allow extra time for delivery if ordering online, especially from remote states.
- Confirm that your account qualifies for any fee waiver if applicable.
In summary, a cashier’s check at Wells Fargo generally costs$10per check when ordered in person or online at a branch. If ordering online for delivery, expect an additional fee of$8, totaling ~$18. Customers with Prime or Premier Checking accounts may qualify for free cashier’s checks. Compared to other major banks, Wells Fargo’s pricing is consistent with standard industry practice, and its fee waiver options provide added value for eligible account holders. Understanding these cost structures ensures you’re prepared when you need a secure, guaranteed payment option.