Updated June 2021USAA-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 be situations that require teller's checks (also known as cashier's checks, certified checks, or official checks) when you need guaranteed funds.

 

What is an Teller's/Official Check?  USAA Bank issues teller checks. You may also hear them referred to as official checks. Like cashier's checks or certified checks, teller checks are considered guaranteed funds since the bank generally must honor and pay these types of checks. If you are being asked to provide ‘good funds’ or guaranteed funds for a transaction, you can purchase a teller check from USAA Bank

 

How do I request an Teller's Check?

  1. Log on to USAA.com and Click “Teller's Check Request” (located under “MY TOOLS”)

    Teller's Check Screen Shot USAA Community.jpg

  2. You will then be asked to verify your identity.
    Teller's Check Screen Shot 2 USAA Community.jpg


  3. After Verifying your identity, 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. You can also request using the mobile app:

    1. Open the USAA Mobile App.
    2. Select a Checking Account.
    3. Select the Move Money button or Select the Menu button at the top right corner and then Select Teller Check Request.

Tellers Check Mobile 1.jpg     Teller Check Mobile App Instructions.png

 

Aside from requesting an Teller's Check, here are the most frequently asked questions in the Member Community pertaining to official/teller's checks:

  1. What if I need a large Teller's Check? The maximum you can request online is $2,500. If your request is over $2,500 please call 1-800-531-8722.

  2. How long will it take to receive a Teller's Check? All shipping times are dependent on carrier volumes and restrictions. Generally, if you select regular mail it will be approximately 7-10 business days. If you select Express or Expedited Mail the delivery time is typically 1 to 2 business days. Shipping to International, APO, DPO, FPO may take longer.

  3. What if I need to cancel the Teller's Check? You cannot stop payment on a Teller's Check. However, you may be able to claim a refund if the Teller's Check is lost, stolen, or destroyed. To claim a refund of the amount of the item, you must give FSB a declaration of loss statement on a form acceptable to FSB and the item must not have been presented for payment for 90 days from the date the Teller's Check was issued.


  4. Can I deposit a teller's 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).

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 teller's check. 

 

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

 

 

NC0621

53 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