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
llopezor
New Member

Hello,

 

I have been asked to take a certified check with me to closing. All my banking is done through USAA, so I am just wondering if an official check is the same as a certified check?

 

Thank you

USAA Social Service
USAA Service
USAA Service

@llopezor, Congrats on closing on the house! Yes the Official check is the same as a Teller or Certified Check. Just different synonymous names. Good luck and let us know if there is anything else we can do. Take care and stay safe,  ~Tom

 

llopezor
New Member

Thank you so much Tom! Take care and stay safe as well :)

Christo69
New Member

If a Casiers check, issued by USAA, is returned to me because the requester no longer needs it, how can I deposit it back into my account?  TIA

USAA Social Service
USAA Service
USAA Service

Christo69 - Please give us a call at 1210-531-8722 or chat lie with a representative to address this issue. Thanks, Jason

SkyDad101
New Member

Is there a way to actually get a Cashier's check from USAA? Cause USAA sent a Teller's check and not a Cashier's check when I ordered an offical check. While I know both Cashier checks and Teller checks are offical checks backed by a bank a lot of places will not accept a Teller check in place of a Cashier check. I would suggest not advertising that USAA provides Cashier's checks if it is not possible to get one from USAA.

USAA Social Service
USAA Service
USAA Service

@SkyDad101, Thank you for reaching out here in Member Community today. I am not aware of institutions not accepting a Teller Check, but each institution may differ in the handling of these instruments. However, if this ever is an issue, we can always look into doing a wire transfer as a second option. I have already forwarded this feedback, thank you again, have a great day!  ~Tom 

nate_ross
New Member

I've been using the offical check feature to pay rent, I was wondering if there was a way to get my receipts of these checks. Thanks.

USAA Social Service
USAA Service
USAA Service

@nate_ross, That's a great question. Regrettably, we don't offer receipts for official checks. However, any fees paid would be listed on your monthly account statements which you can retrieve in your Online Documents on usaa.com. Hope this helps. - Ben 

Tybarton
Occasional Visitor

good afternoon,

 
I requested a 3600 dollar check be issued to pay for 6 months of rent. Somewhere between USAA, and FEDEX, the check was lost. I understand that you have a 90 day policy towards issuance of checks, but how can that be a policy towards the consumer(myself) if it is either you or your contractors fault that the check was lost, and due in no part to myself, your system faulted and now I have to pay for it dearly, if there is anyway you can help me with this asinine policy and get me money it would help greatly, also if I don't want to become homeless because of your companies negligence, I don't need anymore excuses, I need my money.