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
oulipien
Contributor

What if I need a certified check quickly, for a lease signing in a competitive rental market? It seems as if the only effective way to do this (which I'm about to do!) is to open a checking account at a bank that has retail locations. I understand that USAA's whole thing is being online-only, but the effect is that you're kind of hosed if you need a certified check quickly.

USAA Social Service
USAA Service
USAA Service

@ouliipien, Your feedback will be shared with the appropriate team. ~ Lori C

nehssa
New Member

Is there any way to track whether or not the check is sent?

USAA Social Service
USAA Service
USAA Service

@nehssa, Yes, we can look for you. Please chat or call 210-531-8722 and we can definitely see if an Official Check was sent. ~Tom

A Flowe
Occasional Visitor

Just opened a brand new checking and savings accoun . Plenty of funds in my account, but it is giving me an error message when I try to request and official teller chec . Is this because my account is new? When will I be able to request one? It's for a small amount under 200$

 

USAA Social Service
USAA Service
USAA Service

@ A Flowe, I am sorry to hear that your having difficulty requesting an official check. I can't be sure with out looking at it. I would recommend initiating a chat or give us a call so we can review. Thank you for reaching out to us in our Member Community! ~ Suzy 1-210-531-8722 

 

To initiate a secure online chat with our 24/7 chat team, select ASK USAA on your account summary page or select Chat from the Contact Us options under HELP tab.
 

Eastcoaster1
Occasional Visitor

Even though I paid for Expedited service, USAA could not provide me with a tracking number. This is surprising and disappointing in this era. Everyone wish me luck that the recipient receives it!

 

USAA Social Service
USAA Service
USAA Service

@Eastcoaster1, I regret your disappointment. I've located and forwarded your information to a subject matter expert. Please allow sufficient time for completion of their review and we'll follow up with you. 

Eastcoaster1
Occasional Visitor

Thanks. The issue is I'm trying to rent an apartment, so someone getting back to me later won't be much help. The representative told me that there's no way to track the check, even with FedEx. Is that correct?

 

USAA Social Service
USAA Service
USAA Service

Hello @Eastcoaster1. If you do order a check to be sent by Fed Ex we will have a tracking number for it. This will be available the following day after it has been mailed. You will have to call or chat online to get this information. Hope this helps. -Colleen