Odd scenario... We are in Washington state and will be spending the Christmas holiday with my parents in California. I have been working on my husband's Christmas gift for six months and even posted about it on this board. I'm giving him the cash to restore his 79 TransAm.
I have a card already made up that shows what his car would look like totally restored and underneath that it says "Dreams Do Come True". Inside that card, I will have approximately $12,000 in cash. Could be a little less, could be a little more, but either way $10,000 is the minimum and I have five more months to save. I do not want to fly with the cash in my purse, and I'm reading online that TSA could have issues with it anyway. It is also a surprise so if they call attention to it at the airport my husband would know what was going on and we can't have that!
I do NOT want to give my husband a cashier's check unless I absolutely have to. I want to give him cash. It's going to be videotaped by my father, and my husband's reaction to cash while he is counting it and trying to figure out how much is actually there is going to be half the excitement.
I was going to have a Cashier's Check made out to my father for the total amount and take it with me, then my father could cash it for me in CA. We would then just convert that cash back to a cashier's check before leaving CA so we wouldn't fly with cash again. THEN I go and read online that there have been issues with out of state cashier's checks and there could be a hold put on the funds.
Dad is going to check with his local credit union to see if they will cash this cashier's check or if I'll need to FedEx it to him a few weeks prior to Christmas so he can wait for the 'hold', then cash it and have that cash waiting for me when we arrive. I was also thinking that a wire transfer might be more secure? Does anyone have experience with a wire transfer of this size? Can a wire transfer be immediately cashed? I can call my bank and find out the particulars, but I thought someone here might know.
All I want is for my husband to open that card and see CASH on Christmas morning. I will go to any trouble needed to make sure that happens. Whether it's a cashier's check or wire transfer, makes no difference to me. I just want to make it work... but also make it as easy on my parents as possible. Thanks for any advice!