Can a Cashier's Check Bounce?

Author: Staff Writer
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A cashier's check can NOT bounce.

More Info: The benefit of receiving a valid cashier's check is knowing that it has already been paid for up front.  The purchaser of a cashier's check will pay for the check and the funds will then be drawn from the issuing bank.  The bank is, in a sense, the middleman holding the money to ensure its availability when the funds are drawn.

Be warned that the key terms that protect you from a cashier's check bouncing are ‘valid' and ‘reputable'. It is always possible that a fraudulent cashier's check or one purchased from a less than reputable institution could bounce.

How Does a Cashier's Check Work?

A cashier's check is a method to pay for goods and services with funds guaranteed by a bank. If you write a personal check to a vendor, the vendor has no way of knowing if your check is good. They may delay the transfer of a product you purchased until your check has actually cleared. A cashier's check must actually be "purchased" at your bank with good funds. The check is drawn on the bank's account and the bank is responsible for the payment of it.        

Where Can You Cash a Cashier's Check?

A cashier's check is most easily cashed at the issuing bank. If the check is made out directly to you, just take it to the bank it was drawn on, bring proper identification, and the process should be easily completed. You can also take the check to your own bank, but they may delay the availability of some or all of the funds until they can authenticate the check. There have been many recently reported scams concerning cashier's checks, so banks are exceedingly cautious when asked to cash them     .


Works Cited

LII | Legal Information Institute at Cornell Law School
Uniform Commercial Code - Article 3
Cashier's Check Definition

The New York Times
Cashier's Checks Are Like Cash, So Take Care in Handling Them

Expert Opinion 

Quote: "If a bank refuses to pay its cashier's check, it may be liable to the presenting party for compensatory damages and consequential damages. The bank has an "out" only if it can assert a claim or defense against the person entitled to enforce the instrument."

Source:  John Burnett BOL Guru-Stopping Payment on a Cashier's Check


purple arrowCite this Article

"Can a Cashier's Check Bounce?." Sophisticated Edge. N.p., n.d. Web. . <>.  

The information on this Web site is designed for educational purposes only. It is not intended to be a substitute for informed medical advice or care. You should not use this information to treat or diagnose any health problems or illnesses without consulting a physician. It is not meant to take the place of health care or services you may need. Please consult a physician with any questions you may have regarding your health.

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