There are times in life when an overnight check must be sent. Here we’ll highlight the top 5 companies for ordering checks that can reach you within 24 hours. We’ve evaluated several companies and found our favorite to be Chase Bank, Genoa Bank, City National Online Bank, Columbia Bank and the Bank of Travelers Rest. Companies that do not accept the same day bill pay are served by the overnight check method. These checks will arrive before the end of the next business day, but only if the recipient has a physical address to deliver it to. Overnight checks will not be sent to a P.O. box. Read on to learn about the top overnight checking options.
Top 5 Overnight Check Companies:
- Chase Bank
- Genoa Bank
- City National Online Bank
- Columbia Bank
- Bank of Travelers Rest
Chase Bank
Sending an overnight check from Chase Bank is as quick as sending a wire transfer, but has a fee attached to it. Clients can send as many overnight checks at one time as they want, as long as they don’t send over $50,000 in payments each day. This can be divided up as one check amounting to $50,000 or 50 checks containing $1000 each. Depending on the location of the recipient, the payment will arrive either by 10:30 a.m., by noon, or by the end of the recipient’s business day. The cutoff time for ordering an overnight check is 10 p.m. Eastern Standard Time on a regular business day.An overnight check must be signed for by the recipient, so checks have to be delivered to a physical address, and not a P.O. box.
Highlights:
- Clients can send up to $50,000 each day
- Payment will arrive either by 10:30 a.m., by noon, or by the end of the recipient’s business day
- Checks have to be delivered to a physical address
Genoa Bank
Genoa Bank online and mobile banking allows clients to set up either same day payments or overnight checks to more than 400 merchants. The cost is free as long as the client pays one bill each 30 days using Genoa Bank’s Bill Pay Service. In order to access the service, a client must log on to their Internet banking account, then click on the tab at the top part of the screen that says “Bill Pay”, and accept the conditions and terms to continue with the enrollment process.
Highlights:
- Genoa Bank allows clients to send overnight checks to more than 400 merchants
- Cost is free as long as one pill is paid monthly
- Clients must log on to screen that says “Bill Pay”
City National Online Bank
City National Online Bank offers overnight checks. These checks may be delivered to virtually any payee before the end of the next business day. Once the client confirms the payment, they will get a FedEx tracking number. All expedited payments via overnight check have a nominal convenience fee of $20 for each transaction. Users can’t edit or cancel an overnight check once it’s been submitted. The payee’s actual address is required for any overnight check payments. Overnight checks can’t be sent to Alaska, Hawaii, or to any P.O. box.
Highlights:
- City National Bank offers overnight checks
- All overnight checks have a fee of $20 a transaction
- Overnight checks can’t be sent to Alaska, Hawaii, or to a p.o. box
Columbia Bank
Columbia Bank offers overnight checks to anyone, anywhere in the US. If the biller’s not a participant in the bank’s same day bill payment services, payment can still be rushed with the Bill Payment Overnight Check feature. There’s a fee of $14.95 for each overnight bill payment. All overnight bill payments have to be scheduled by 11 a.m. Pacific Standard Time in order to be delivered the next day.
Columbia Bank offers checks to anyone anywhere in the US There’s a fee of $14.95 for each overnight transaction All overnight bill payments must be scheduled by 11 a.m.
Highlights:
- Columbia Bank offers checks to anyone anywhere in the US
- There’s a fee of $14.95 for each overnight transaction
- All overnight bill payments must be scheduled by 11 a.m.
Bank of Travelers Rest
The Bank of Travelers Rest provides an option for overnight check service through their Bill Pay, which allows clients to have their payments sent by way of overnight delivery. This service’s availability can vary by vendor, Each time a client uses the overnight check option, they will be charged $14.95. Their overnight checks must be sent to a physical address, and not to a post office box.
Highlights:
- Bill Pay allows clients to have payments sent by overnight delivery
- Availability varies by vendor
- Clients are charged $14.95
Conclusion
Overnight checking companies can deliver financial notes when they’re needed in a pinch. The top five companies we’ve reviewed in this article are among the best, but do your research and compare rates to find the best overnight checks for your needs.