Cashier's checks can be cashed at the issuing bank, at the recipient's personal bank or through a check cashing service, according to Sophisticated Edge. According to the Uniform Commercial Code, the issuing bank of a cashier's check is obligated to honor it unless a stop payment has been issued.
Sophisticated Edge notes that if the recipient of a cashier's check chooses to cash it with a check cashing service, the service may charge fees for cashing the check, which reduce the amount of money the recipient receives. To cash the cashier's check at the issuing bank or a check cashing service, the recipient must present valid identification, such as a driver's license. When cashing a cashier's check at the recipient's personal bank, there generally must be enough money in the recipient's personal account to cover the amount of the cashier's check if it is not honored by the issuing bank.