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Official Bank Checks

Official Bank Checks

Altura offers official bank checks. Using one of these checks is not only convenient, it’s also the best way to ensure you have the funds to cover a payment.

Altura’s Bank Checks

When you purchase an official bank check (also called a cashier’s check), the funds are withdrawn from your account and issued in the form of a cashier’s check.

Cashier’s Checks:

  • Funds are debited directly from your Altura Credit Union Account
  • Issued for any amount
  • Requires a Payee

More Information About Bank Checks

Why Cashiers Checks are Better than Traditional Checks

Official bank checks are also great because they ensure that you have the money to make a purchase. Sometimes merchants won’t allow you to pay with a regular check because they are worried about the check bouncing.

Here are some examples of when a cashiers check are the best payment method:

  • To pay your rent, utilities or bills
  • To send a payment more securely
  • To make a large purchase

If you have a Wealth Builder checking account from Altura, you can get official bank checks for free! To purchase an official bank check, please visit your local Altura branch.

Bank Checks Explained

When you order an official bank check (also called a cashier’s check), the funds are withdrawn from your account and placed into a “cashier’s” account. This ensures that funds are available when the check is cashed. Whoever you’re giving the check to doesn’t have to worry about the check bouncing. Official bank checks offer you the convenience of regular checks and the peace of mind of a debit card.

An official bank check is like a money order. It’s useful for many reasons. One of the most popular uses is payment for large purchases. If you need to buy something like a car but you don’t want to carry cash, you can pay safely and conveniently with an official bank check. 

Worried about misplacing your official bank checks? If you lose one of these checks you can always place a stop on the payment. This way, you don’t lose any money.

Why Cashiers Checks are Better than Traditional Checks

Official bank checks are also great because they ensure that you have the money to make a purchase. Sometimes merchants won’t allow you to pay with a regular check because they are worried about the check bouncing.

Here are some examples of when a cashiers check are the best payment method:

  • To pay your rent, utilities or bills
  • To send a payment more securely
  • To make a large purchase

If you have a Wealth Builder checking account from Altura, you can get official bank checks for free! To purchase an official bank check, please visit your local Altura branch.

Bank Checks Explained

When you order an official bank check (also called a cashier’s check), the funds are withdrawn from your account and placed into a “cashier’s” account. This ensures that funds are available when the check is cashed. Whoever you’re giving the check to doesn’t have to worry about the check bouncing. Official bank checks offer you the convenience of regular checks and the peace of mind of a debit card.

An official bank check is like a money order. It’s useful for many reasons. One of the most popular uses is payment for large purchases. If you need to buy something like a car but you don’t want to carry cash, you can pay safely and conveniently with an official bank check. 

Worried about misplacing your official bank checks? If you lose one of these checks you can always place a stop on the payment. This way, you don’t lose any money.

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FAQ's

Are There Fees to Purchase a Cashiers Check?

Fees may apply to purchase a Cashiers Check .  The fee will be waived by having a Wealth Builder Checking account. See the Schedule of Fees for details.

What’s the Difference Between Official Bank Checks and Money Orders?

Official bank checks are issued and guaranteed by the financial institution. They also have a higher limit than money orders, so they can be used for larger purchases.

What Do I Need to Purchase an Official Bank Check?

You will need to present a valid ID, show you have available funds in your account, the amount of the check, to whom it is payable and any other information that you would want to be included in the memo.

I Received an Cashier’s Check From Altura, How Can I Verify It? (How to Verify a Cashiers Check)

Cashier’s Checks are safer than personal checks because the funds are guaranteed and also do not contain your account number.

Tips On How to Avoid Cashier’s Check Fraud:

  • Know the person giving you the check
  • Verify that the check was drawn off of Altura Credit Union
  • Verify the check has cleared.

To verify if an Official Bank Check is valid, contact the Member Service Department by calling 888-883-7228.

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Disclaimer Information

Fees may apply to purchase a cashier’s check, or to stop payment on a cashier’s check. See the Schedule of Fees for details.

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