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US Bank charges their account holders $7.00 for a cashierâs check. Wells Fargo Bank charges $10.00 for a cashierâs check ordered at a local Wells Fargo branch or online. Citibank has a $10.00 fee to obtain a cashierâs check. The cost at Fifth Third Bank for a cashierâs check is $7.00. The bank fee is waived for the bankâs Preferred and Private Bank account holders.
Risk. The biggest risk you face when cashing a stale check is that the bank refuses it and charges you a returned check fee. Banks usually charge a fee to the payee when they cannot cash a check. This fee is usually $15 to $20 in 2011. If you have a check for a small amount, such as a dividend from a stock, you risk the bank hitting you with fees that exceed value of the check.