Updated 12/2020USAA-Member-Community-Official-Check-How-Tosmall.jpg

 

The era of writing checks for everyday purchases is closing quickly. Apple Pay, mobile wallet and the ability to pay most of your bills online eliminates many of the traditional instances that call for writing a physical check. However, there will always be situations that require official checks (also known as a cashier's check, bank check, treasurer's check or a certified check) when you need guaranteed funds.

 

What is an Official Check?  Also known as a Cahsier's check or a Teller's check, this type of check comes from the financial institution or bank’s funds and not your own personal checking account (like a personal check would). This method is often requested when making large purchases (like a down payment on a home) to ensure the amount on the check will be covered. For example, the bank will have the funds guaranteed, unlike a check from a personal account that could potentially not have the funds available to cover the amount. This type of check can also be more secure since, unlike a traditional check, your account and routing information is not listed on the check.

 

How do I request an Official Check?

  1. Log on to USAA.com and Click “Get an Official Check” (located under “MY TOOLS”)


    USAA Community How to Request A Cashier Check .jpg

  2. You will then be asked to verify your account. A one time code will be sent to your phone number on file.


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    USAA-Member-Community-Official-Check-How-To-Verification-Part2.JPG
  3. You will then be asked to enter in the details:


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  4. After clicking “next” you have the opportunity to review all of the details and make changes if necessary. Make sure all of the details are correct before submitting, no changes can be made after clicking “Submit”.

You can also request using the mobile app:

  1. Open up USAA Mobile Ap
  2. Select Account
  3. Click Menu in top right corner: MENU >Teller Check Request

Tellers Check Mobile 1.jpg

 

 

Aside from requesting an Official Check, here are the most frequently asked questions in the Member Community pertaining to official/cashier checks:

  1. What if I need a large Official Check? The maximum you can request online is $2,500. If the amount is over $2,500, you will need to submit a request. You can find the PDF here or by navigating to “My Tools” under the “Documents and Forms” section on usaa.com. Also, a search for "Official Check" on usaa.com will bring you to the correct document. The written request can be faxed (1-800-531-5717) Attn: Check or uploaded through "My Tools" then "Send Documents to USAA". You can also mail the form to: USAA Federal Savings Bank Attn: Check, 10750 McDermott Freeway, San Antonio, Texas 78288

  2. What are the holds for an Official Check? Official checks are subject to standard funds availability holds. (Depository Agreement - PDF)

  3. How long will it take to receive an Official Check? It depends on what type of mail method you request and the shipping address, but generally delivery via regular mail is 7-10 business days. Delivery time is 1 to 2 business days for Express and Expedited Mail. International mail may take longer.

  4. What if I need to cancel the Official Check? Stop payments can only be issued if the Official/Teller Check is lost or stolen. There is a 90-day waiting period from the date of issuance before a stop payment can be placed regardless of stop payment reason. 

  5. Can I deposit a cashiers check via mobile deposit? Yes. As long as the amount is within your daily deposit limit (to locate this log on USAA.com>Tools>Deposit at Home>Choose Account, and you will see your limit in blue).

  6. Do I need to call? If you are requesting a check for the purpose of payment to a Trustee or an Estate you must call 1-800-531-8722, otherwise you can self service on usaa.com or USAA mobile!

Here in Member Community, we are consistently working on best ways to address some of the most commonly discussed topics. Hopefully, this clears up some of the questions you may have about obtaining an official check. 

 

Do you have additional questions about the process? Please do not hesitate to ask in the comments!

 

 

NC1220

51 Comments
USAA Social Service
USAA Service
USAA Service

@ArmyKid7, Thank you for your feedback in regards to partnering with another bank. I will share your comments with our banking team for future consideration. - Ben 

ARae
New Member

What is the meaning on the pdf request form for larger amounts of "For The Benefit Of"? I assume this is somewhat like what you would write in the memo section of a personal check but I wasn't sure. Thank you!

USAA Social Service
USAA Service
USAA Service

@ARae, for the benefit of is like the memo section of a personal check.  You can state that the purpose of or who this funds are for. :) Hope this helps.  ~JM

friedegg
New Member

I just called in asking if there was a way to see if a cashier’s check was cashed. The rep told me that she can not look into another person’s account and tell me that information, which I 100% understand.

 

I attempted to explain how cashier checks work to her, but she still assumed I was asking to look into another member’s account. At which point I thanked her for her time and just hung up. 

 

I was wondering if there’s a way for me to see if a cashier check has been cashed. If I can do it myself that’d be preferred, but if I need to call i understand completely. 

USAA Social Service
USAA Service
USAA Service

friedegg - Can you reply with some more specifics? Was the check drawn on your USAA deposit account? Do you have the check number? If you are not directly associated with the cashier's check or it is not from a USAA deposit account, we would not be able to provide that information to you in any channel. I hope that helps. Thanks, Jason

AnotherCustomer123
New Member

Wikipedia has a really great summary of the difference between a Tellers Check and a Cashiers Check: https://en.wikipedia.org/wiki/Cashier%27s_check.  I got all the way to closing on a house before being told by my title company that they wouldn't accept a tellers check--only a cashiers check.  USAA obfuscates the fact that their official check is NOT a cashiers check, and all the representatives I spoke to were unable to understand the difference.  Please clear this up and warn customers that the official/tellers check may not be acceptable for closing on a house, depending on the requirements of the recipient.  Additionally, consider refunding customers who call asking about a cashiers check, are told that by a USAA representative that a tellers check is equivalent, and then find out otherwise--maybe even waive the wire transfer fee that they then have to orchestrate.

LS954
Occasional Visitor

Not sure what can be done from here but its worth a shot.

 

So i requested a certified check via phone for 14K and had it expedited to my home. I received the check the next day(saturday) and noticed the payees name was misspelled. i contacted the payee and i was told they couldnt accept the check. I contacted USAA and was told there would be a fee for cancelling the check but that they would waive it since it was a mistake on USAA part and that i should see the money return to my account 24-48 hours, since it was a saturday i figured tuesday the latest. I waited till wednesday and still no money. when i contacted USAA again i was informed about the 90 day period, which i told them i was not told about that when i initially called on saturday. The rep i was speaking with asked if i still had the check and i told her i didnt since the gentleman i spoke to on saturday told me to discard the check and that my money would be back in my account within 48 hours. Now I am out 14K for at least 90 days. Again i've been with usaa for years and i've never had any issues untill now, this is a biggie!! 

Doesnt seem like this is something that can be resolved over the phone, even after talking to USAA resolution team. What can be done?

USAA Social Service
USAA Service
USAA Service

@LS954, I am so sorry for this issue, this is not the service you have grown to expect. I am forwarding your concerns right now to a Bank specialist. ~Tom

SatoshiNakamoto
Occasional Visitor

If only there was a way to send money to an address and verify the transaction on an open ledger.

USAA Social Service
USAA Service
USAA Service

@SatoshiNakamoto, Thank you for your feedback in regards to verifying official check transactions in an open ledger. I have shared your comments to our bank team. We continually look for opportunities to improve our services and your comments will help us do so. - Ben