When you need to make a large payment, a cashier’s check can be a convenient and secure way to do so. Unlike personal checks, cashier’s checks are guaranteed by the issuing bank, making them a popular choice for transactions that require a certified form of payment. If you’re looking to get a cashier’s check near you, here are some of the best places to consider:
1. Banks and Credit Unions
Most banks and credit unions offer cashier’s checks to their customers. Simply visit your local branch and request a cashier’s check from a teller. You’ll need to provide the amount you want the check to be made out for and pay the issuing fee, which is typically around $10 to $15. Make sure to bring a valid form of identification and have the funds available in your account to cover the check.
2. Online Banks
Check-cashing stores, like MoneyGram or Western Union, often provide additional services such as issuing cashier’s checks for a fee. These stores are particularly convenient for individuals who need a cashier’s check outside of regular banking hours or for those who don’t have a bank account. By offering these services, check-cashing stores fill a gap for people who require quick and accessible financial solutions, especially in urgent situations where traditional banking services may not be available.
3. Check-Cashing Stores
Check-cashing stores, such as MoneyGram or Western Union, may also offer cashier’s checks for a fee. These stores are convenient if you need a cashier’s check outside of regular banking hours or if you don’t have a bank account.
4. Walmart
Check-cashing stores are financial service providers that offer customers the ability to cash checks without the need for a traditional bank account. These stores cater primarily to people who are unbanked or underbanked, meaning they either don’t have access to a bank account or prefer not to use one for certain transactions.
The process at a check-cashing store is straightforward: customers present their checks, and the store immediately provides them with cash, typically for a fee that’s a percentage of the check’s value. This service is convenient for those who need quick access to cash, especially if they don’t want to wait for bank processing times.
However, the fees at check-cashing stores can be high, and critics argue that they can be predatory, particularly for low-income individuals who may rely on them frequently. Despite this, these stores remain a popular option for many people who need fast, flexible access to their funds.
5. Convenience Stores
Some convenience stores, such as 7-Eleven, may offer cashier’s checks as part of their financial services. Check with your local convenience store to see if they offer this service and what the fees are.
Conclusion
When you need a cashier’s check, there are several convenient options available to you. Whether you prefer to go to a bank, use an online bank, or visit a check-cashing store or convenience store, you can easily find a place near you to get a cashier’s check for your transaction needs.
