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

I am very sorry to hear of this situration @Tybarton. I have forwarded your concerns regarding this stop payment request for further review. -Colleen

JakeTM
New Member

I requested an official check, but the merchant actually doesn't need the payment. The check is not lost/stolen, but if the merchant doesn't need it, how can I cancel the check and have the money returned to my account?

USAA Social Service
USAA Service
USAA Service

Hello @JakeTM and thank you for reaching out to us. Teller checks reported lost, stolen, or damaged must wait 90-calendar days from the date of issuance before stop payment can be placed. No exceptions can be made. After the 90 day period, you can contact us and we can place a stop payment for you. For further assistance please call us directly at 210-531-8722 or initiate a chat on usaa.com. Thank you. ~Sarah 

Emc22
New Member

I was told today that there is a cutoff time to request a cashiers check for it to be processed. I don't see this listed anywhere. I would assume, I request the check today within business hours then it will be mailed out tomorrow. That is not the case. Can you update this somewhere on your website. Also, I have had to call/chat now for 81+ minutes total trying to get the tracking number for my check. I was told that there was no way to have this emailed to me. After 1 call and 1 chat lasting 50 minutes total over the last 2 days, I was told that I could get the tracking number today with minimal time on the phone because all of the info was notated in my account. Guess what? I call today and after 31 minutes of your representative scrambling around I find out that the check was just mailed out today, and I have to wait yet another day to get the tracking number. Train your employees to get the story straight the first time. It's not that hard.

USAA Social Service
USAA Service
USAA Service

Hello @Emc22 and thank you for reaching out to us. I'm sorry to hear of this experience you had with us. Checks ordered on non-business or banking holiday will not print until the next banking day. Some checks issued close to the afternoon cutoff of 1:00 p.m.  may be processed in the next business day.  I will have your concerns forwarded to the appropriate area for review. Thank you for speaking up today. ~Sarah 

zwm11
New Member

I'm unable to access the link to the PDF request form for a teller check above $2500. Searching for the term "offical check" does not yield any useful information.

USAA Social Service
USAA Service
USAA Service

@zwm11, Thanks for taking the time to post. For official checks over $2,500, you would need to call us at 1-210-531-8722 to request them. - Ben 

JBrackett
Occasional Visitor

I have a Teller Check that I no longer need. It was for the purchase of something where the sale fell through. I have the check in hand. When I ordered the check, I asked the teller if it turns out that I dont need it, could I redeposit it back to my account? She stated that I should endorse the back of the check with "Funds not used for intended purpose" and deposit it into the same account it was taken out of. Is this correct?

USAA Social Service
USAA Service
USAA Service

@JBrackett, That is correct, plus one more line: 

 

Line 1 - Not Used for Purposes Intended

Line 2 - For Deposit Only (Account Number)

 

Hope this helps! ~Tom

kolacky
New Member

3.16.2021 Property Purchase Protocol

To open escrow, we had to wire-transfer the funds from my bank to the escrow's bank. No other method was accepted. All details were provided in a secure e-mail and required verification before transmittal.


@ wrote:

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.


    USAA-Member-Community-Official-Check-How-To-Verification-Part1.JPG


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


    USAA-Member-Community-Official-Check-How-To-Confirmation.JPG


  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, [removed sensitive data] McDermott Freeway, San Antonio, Texas [removed sensitive data]

  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