Ask about the fee associated with a cashier's check. Contact your bank and request information about the fee you'll pay for a cashier's check. You'll need to ensure that your account can cover the fee plus the amount of the check unless you're opting to pay the fee out of pocket.4. Bring your identification to the bank. Be sure to spell the payee's name correctly on the check. 2  You might not even need to use a cashier's check. 3  Talk to the seller about the possibility of accepting a debit or credit card for payment. 4  Alternatively, you might be able to use a bank draft.