When you receive a check, but don’t have any way to deposit it, you have to go to the bank that issued the check if you want to cash it. However, it’s going to cost you.

What are the fees at the top 20 banks?

We contacted the top 20 banks in the U.S. in order to determine their non-customer check-cashing fee policies, which we have compiled in a table below.

While some banks, like Capital One, Citibank and SunTrust maintain a policy of providing this service for free, other banks are profiting by charging anywhere from a percentage of the check to a $10 fee.

Here are the fee policies of the top 20 U.S. banks (flat rates apply to business and personal checks unless otherwise specified) and how they changed in recent years:

BankFee policy in 2015 & 2014Fee policy in 2013
Bank of America$6Free for personal checks; $5 for business checks
BMO Harris Bank$10 ($50 is the minimum amount you can cash)$5
BB&TFree under $50; Over $50 a fee of $8Free under $50; Over $50 a fee of $8
Capital OneFreeFree
Chase$6$6 for checks over $50; otherwise, free
BBVA Compass$7Free for checks under $50; $7.50 if the value of the check is $50-$100; $10 for checks over $200
CitibankFree for checks under $5,000Free for checks under $6,500
Fifth Third Bank1% of the check amount ($4 maximum)$5
HSBC BankFree for personal checks; $3 for business checks under $100 and $5 for business checks of $100 or moreFree for personal checks; $3 for business checks under $100 and $5 for business checks of $100 or more
M&T Bank$10$10
PNC Bank$10$10
Regions BankFree under $10, but above $10, 1% of the check amount ($2 minimum and $20 maximum)$1 for every $100 of the check amount
SunTrustPersonal check is free; business check is $7$7
TD Bank$7$7
Union Bank$5 fee for personal checks over $100; $5 for business checks over $25$5 fee for personal checks over $100; $5 for business checks over $25
U.S. Bank$5$5
Wells Fargo$7.50$7.50

Every bank requires that you have two forms of government-issued ID (i.e. driver’s license and U.S. passport) when you go in to the branch to cash a check as a non-customer.

If you are trying to cash a check that is written to yourself and another person, remember that these rules that apply and it could cause more of a hassle to get your money.

Flickr | https://www.flickr.com/photos/_benj_/8033347795/in/photolist-qvTSQM-pRjqRy-pRjkx7-bUYktd-asdwPK-qvL78C-pRjqHN-8mrrVD-oQjKJu-5k9mSL-pQdzzH-quz9WZ-pRjrjY-qvLe5o-qNfgqW-7VBZXw-deT1qt-8HYnA2-focW3m-oSmy9i-4h6U5U-ozS1nE-ozSzNK-oSjESQ-oQjKrW-oSmyse-ozSzka-ozSyYZ-oS5GWB-oQjLGm-oSjDJ7-oSjG4s-ozREY8-oQjN5m-ozS7qu-oSmAYX-ozS75E-ozRDkP-oSmzM8-ozS1zo-ozS7BS-deq9ZY-84vLqF-bG6z2i-dSgjeM-4gm35H-4gq6E1-cH42G7-9HH2DH-4gq6B1

Flickr source

Understanding how it works

Here’s a simple scenario to show you how to deal with a cashing out a check as a non-customer:

  1. Let’s say you receive a Chase-issued check for $100.
  2. You personally bank at Bank of America, but for whatever reason, can’t make it to your bank’s branch. You also need the money as soon as possible, so you decide to go to Chase to cash it.
  3. When you arrive at Chase, you go to the counter and ask the teller to cash your check.
  4. The teller tells you that since you are not a Chase member, you will unfortunately have to pay a $6 fee for the cashing of your check.

Analyzing the data

Interestingly enough, compared to fees in 2013, some banks have increased their fees, while others have made their policy more affordable for the everyday consumers to cash, such as in the case of personal checks.

Bank of America, BBVA Compass and KeyBank are some of the big banks that have raised fees. Meanwhile, Fifth Third Bank and SunTrust have implemented lower fees for their check-cashing services.

What can you do if you don’t have a bank account?

You may be wondering why anyone would ever go to a different bank to cash a check, when their own bank provides the service for free.

As we illustrated in the above scenario, if you can’t get to your bank, going to the bank of the issued check is your second resort. Or perhaps you don’t have a bank account because of a bad banking history, which means you’re on ChexSystems.

Luckily, for people in this predicament, here are other ways to cash a check without a bank account. Keep in mind it’s much more costly to cash checks without a bank account.

Tip: If you’re tired of paying these types of fees because you’re bankless, consider an online bank account. Here are the best online bank accounts to choose from. Also, here’s our list of the best second chance checking accounts.

– Convenience stores and supermarkets. The nation’s largest retailer, Walmart, offers check-cashing services that cost $3 to cash checks of $1,000 or less or $6 for checks of over $1,000 to $5,000 (the maximum). Also, some 7-Eleven locations have kiosks that will cash checks for a flat 0.99 percent fee. These are just two popular examples as cash-checking alternatives — you’re local supermarket or convenience store may provide similar services.

– Check-cashing stores. You may have noticed some local check-cashing stores. They’ll cash your checks as you’d expect, but it may be more expensive that the other options — usually as a percentage fee or a percentage fee plus a flat fee.

– Prepaid accounts. Today, there are many prepaid accounts that are capable of accepting mobile check deposits. Prepaid accounts are easier to obtain than checking accounts, so you can get one to cash checks on a regular basis.

Different types of payable instruments take different times to clear when you deposit them. We performed an actual test to compare the deposit speeds of personal checks, cashier’s checks and money orders.

How to avoid frustrations if you’re looking into the fee policies of banks

If you decide to do your own investigating because you have a check issued by a bank that isn’t listed, we recommend calling the actual branch instead of the customer service number (though sometimes that’s difficult when bank branch numbers aren’t listed online).

Branch members are much more familiar with the policies of daily transactions that occur at their branch locations, and as such, are better equipped to inform you about routine protocol. Customer service representatives are likely to ask you to hold while they look up the answer in their database, which isn’t likely to be wrong, but may mean a longer wait time for you (though not drastically). Also, call well ahead of the branch’s closing time, or you may be turned away.

Though many banks charge check cashing fees, depending on which bank you go to, you might be able to talk to someone and get the fee lowered or waived.

Katherine Muniz

Katherine Muniz

Katherine is a staff writer at MyBankTracker.com. Her columns focus on college finances, student debt and consumer spending.
Katherine Muniz
  • SteveO45

    check cashing places dont accept personal checks though, no?

    • http://www.mybanktracker.com Katherine Muniz

      Hi there! Yes, they do – cash your personal checks away to your heart’s content!

  • Kenneth Williams

    I am honestly disgusted by this policy. Some charge for cashing personal checks on they’re own note. Banks make money by investing what is in customer accounts. This practice should be made illegal (charging a fee on their own note)

    • Raf Callas

      They gotta make their money somehow. Sadly, it’s through unnecessary fees.

      • CRC60

        Yes so the check writer must pay the fees. As far as I’m concerned, until and unless the entire debt is payed, that fee is a collectable against the company who wrote the check.

        • PhilE

          What does the check maker have to do with it? You made the decision to go to the bank where the check is drawn on.

          I encountered a similar scenario back when I worked in bank. I serviced a non-customer who presented a check for cash. He apparently did some home repairs for the check maker (customer). I informed of him about the fee and he became incensed. He said he had more work to do for the person and said he’ll make sure to ask the person to add an extra $10 to the next check. If that guy did work for me and asked me for an extra $10 to cover a check cashing fee, I’d tell him I’ll find another repairman and then pay him for the services he provided, minus the extra $10. The check cashing fee has nothing to do with me.

          Go to your bank and deposit it. If someone writes me a check, I’ll take it to my bank because 1) I like my bank, and 2) I don’t want someone trying to talk me into opening an account, and 3) I don’t want to pay a fee.

          Some banks provide provisional credit (i.e. first $100 immediately available) on check deposits these days if you deposit them through an ATM. The rest is usually available next business day if the deposit is made by 8 PM (extended cutoff time) Mon – Fri.

          • CRC60

            A check is not a payment, it is a promise to pay. That means cashing them too. Until payment is fully rendered the obligation is not fulfilled and thus the promise is broken leaving a debt, and possibly a mechanics lien, against the check writer.

            It’s not like accepting a credit card where the recipient does expect to pay a use fee.

            The check cashing fee has everything to do with the check writer.

      • hony

        “They”? You mean the banker billionaires. Do you realize that they are exploiting us? They love people like you who say things like “they gotta make the money somehow” Dam you are pitifully naive

    • Underpaid bank worker

      I understand that some people disagree with this and are applaud by it. You need to understand that the people that work in the branches, tellers, CSR’s, managers are very underpaid. Yes, the banking industry makes billions but it is only for those people higher up. When people in the lower levels are constantly berated by those who do not want to pay those fees it is stressful and scary. They deal with the constant stress of possible being robbed, being faced with fake checks and money, dealing with people who verbally and sometimes physically assault them, listening to stories of people with little to no money or people with hundreds of thousands who get angry of paying $5 fees, and people who refuse to show their ID’s expecting everyone to know them based on their time as customers. Remember, please be respectful lower level banking deals with a lot of unnecessary stress.

      • scott

        That’s a great story, however, these fees aren’t going to the tellers… they are going to the pockets of the people who continually exploit their tellers. In summary, the banks can still go screw themselves.

      • Kenneth Williams

        I plan to start A company with a cap on both ends, (of the wages) if its still legal when I’ve finished college.

      • Kamal Mydean

        I was in TD Canada Trust Bank in Truro, NS this morning at 8.58AM. The doors are supposed to open at 9 am, and the tellers are supposed to be at their counters by that time. The door opened at 9.04 am and only one commercial teller available, a minute after another teller opens the counter and three minutes after the third one. When ten customers are waiting outside the gate and the tellers inside are catching up gossip about their under paid job, why cant the management do some thing about it???? The managers are just the puppets of the top ranking officials, who earn millions in salry, bonuses and dividends. LET US GET REAL

      • Robert Allard

        when the goverment bailed out the banks with tax payer money,we the people would never get that kind of help. Most of them didn’t pay this money back.

        • Felix Gill

          ALL the banks repaid the money within the 2 yr time period. Many of the banks did not need the money but were forced to take the money because, if everyone did not take it, then those that did would risk looking ‘at risk’ and cause a collapse. All the banks repaid the money very quickly. While they had the money they were subject to increased federal oversight, and no one wanted that

      • Lyndsay

        Every business has these issues. I mean what does being underpaid have to do with check cashing fees? Aren’t most of us “overworked and underpaid”?

    • Berad R

      right.. Whats total complete bank stinky is when I received a personal check
      from a business (clark public utilities) and their bank is U.S. Bank. So
      I go to a U.S. Bank branch to cash the check and they told me their
      would be a $7 charge. I asked why, they said it’s because they are
      performing a service. Outraged I said they are attempting to perform a
      disservice. They said I could become a customer, I responded that I feel
      they are greedy and their clients intention is to see that I’m
      reimbursed. Over $7 they have lost me as a potential customer for life.
      Shame on you U.S. Bank @Jan Estep #TeriCharestHasAPublicRelationsProblem.
      I went one block up the road to Fred Meyer and they cashed that U.S.
      Bank check for only $3.

    • Asanda4

      First of all, it’s ‘their,’ not they’re. Second, banks are businesses that have to employ people to serve you, pay overhead on their physical locations, and make a profit. Don’t expect people to hand you something for free – no one is FORCING you to use any given bank, and it’s not their fault your credit sucks so bad you can’t get an account to… you know… cash the check for free.

      • Kenneth Williams

        The point is they are charging to cash on there own note, i already have a bank account if I had an account for every check wtitten to me i woulf have thousands tied up in useless bank accounts just to cash checks. If I have to cash at my own institution I have to wait for money I should not have to wait for, its just another big dollar scam. Banks are the richest entity on earth, they can afford to cash checks written o. Their own notes for free, this is no different than a distributor dictating what can be seen on a store shelf, it is, has been, and should be illegal


    The fees are ridiculous! PNC Bank wanted to charge me $30 to cash $150 worth of paychecks! I expect a small fee or percentage but not something so outrageous. I do not have an account at their bank or any other bank due to the astronomical fees which I currently can not afford. I recently lost my full time job and have only been working part time for the past several months. I struggle enough without having to pay to cash my meager paycheck. I tried explaining my situation to the representative but they just got snotty. I have truly had it with banks.

  • CannabisIsNotEvil

    Bank of America wont’ even cash my paychecks anymore. They’re business checks written on a BofA account with plenty of money to cover the funds. They refuse to cash the check unless I make an account – which I refuse to do. Now I have no choice but to deposit it in my Wells Fargo account. F- BofA anyway – they’re the worst bank ever

  • http://fuck-you.see-fourth-amendment.gov Thomas Paine

    Isn’t it a basic bank law, that the issuing bank has to honor a check from itself, when that check is presented to it?
    This used to be a basic law.
    There was nothing about taking out money from the check, there were no fees mentioned in this law.
    It is the duty of the bank to honor its own checks, and cash them at full value.
    Another gripe I have, is, BOA wanted a fingerprint when I cashed my paycheck with them today.
    I am not a criminal, I do not like giving anyone my fingerprint.
    BOA also insisted I give them my SSN.
    But BOA is not the SSA; in California at least, there are laws about not having to demand someone’s SSN.
    That number was never intended to be a national ID number, and a few years ago, that statement was still printed on all SSN cards. WHen FDR passed the act, the Republicans wisely insisted that it never be a national ID.
    National ID’s are for East Germany and banana republics; they are not for real democracies. 1984.
    Ah well, how liberty and banking have declined in the USA!

  • http://fuck-you.see-fourth-amendment.gov Thomas Paine

    I am now looking for a REAL credit union, not a bank with a trendy credit union name. A real credit union pays out dividends to its customers, from time to time, who are all part owners.
    A real union pays higher rates on savings accounts and checking accounts, unlike a bank which takes your interest and keeps it.
    A real union gives low cost loans to its members.
    A real credit union doesn’t do what Goldman Sachs did in 2008: rape the pension funds of workers by putting them into worthless mortgages and then betting that they will fail, and making tons of money doing so. And also driving Iceland bankrupt! A whole country! See Matt Taibbi for all the crimes of Goldman Sachs. They should be in Federal Pound Me in the Ass Prison, so when they have to use a inflatable donut to sit down, they will remember to stop breaking the law!

    I used to use Wells Fargo, but they kept charging me outrageous fees on top of fees, and they also were bailed out with my tax money in 2008, after which they got bigger and paid more bonuses to their rich managers on Wall Street.
    Banks don’t give plain financial service anymore, they just rig the system to make the most in fees. We need to break their monopoly. Like Teddy Roosevelt used to do in 1910 with all the monopolies of the late 1800s ! Maybe bitcoin will help ?

  • CRC60

    I would simply go the the business that wrote me the check and demand the shortage. When they say no, off to small claims I go. I have to wonder if this hasn’t been adjudicated before.

  • hony

    Most banks refuse to cash a check if you are not a customer. With all the scanning technology in place at banks anyone anywhere should be able to cash a check whether they are a customer or not. Since you aren’t a customer the bank wants to seize the opportunity to exploit you just like they do their retail banking customers who do have accounts.

  • Lauren Poper

    This list says Bank of America doesn’t impose a fee for non-customers to cash a check. The branch here in Putnam, CT has been charging $6 for several years.

  • Jupiter Jones

    Tioga State Bank in Candor, NY charges $10 to cash a bank. Thing is it may be “legal” but they have lost my families, friends and business accounts due to it. I’ve been using that bank for 20+ yrs.
    I’m in there every year depositing money into my parents account for them.
    I know most of the employees there by first name. Today there was a new woman and she not only was rude to me, she was also rude to the the party that wrote the check. Going as far as answering thier concerns with saying “we are not a check cashing business.
    Whether legal or not you would think they would treat a local family who loyally used their bank better. They may have saved themself $10 but the lost accounts are going to cost them more than they know. I’ve got a big mouth and since I’ve got nothing better to do, I plan on putting signs about their “policy and my treatment” in my windows and parking right outside their door. Which is on Main Street in a town with only 2 roads in/out.
    Enjoy the view TSB, I plan on letting as many people
    i can (or see) just how badly they can expect to be treated.

    • jjomes

      Where it says
      “I’m in there every year depositing money” it should say every month” I’m so p’d off I can’t even type.

    • Jeff Zerangue

      know how you feel.. we don’t have to take that. If everyone would take a stand on this and everything else the democrats are trying to shove down our throats we could take America back. thanks for your stand.

  • Tiffany

    Bank of America does charge. I went there today and they had a $6 fee to cash my paycheck.

  • Bogi Farkas

    Could anybody help me? Can a foreign citizen cash a check, if he/she is just a visitor in US (under the terms of visa waiver program)? Do banks accept foreign identification documents?

  • Never banking with Wells Fargo

    Can’t believe this just happened. What made it worse was the teller asked me if I was interested in opening an account at Wells Fargo and I responded that my husband and I moved our account to a local credit union due to the fees. When she said it would cost me $7.50 to cash a reimbursement check by one of their business accounts, I started to laugh at why I changed to a credit union. She went on further to blame the fee on the business who wrote the reimbursement check explaining that they had decided not to pay the fee rather than it is due to Wells Fargo standard fee policy!

  • fourgotten

    Sadly, many of the articles written on this topic espouse the idea, as does this one, that we should just bend over and take it or work around it.

    We need to stop this.

    We need to force banks to pay up on the drafts written against accounts that they hold.

    They are making money from the bank fees that they charge their customers.

    They are making money from the investments that they make using the money that they hold in trust for their customers.

    The only way that we can force this to stop is to stop accepting checks from banks which charge these fees.

    Those of us who own businesses need to make it publicly clear that we will no longer accept checks from these financial institutions, and the reason why.

    Those of us who work for businesses or do business with people who bank with these institutions must demand other forms of payment. Checks from these institutions are no longer payment in full – they are partial payment if they cannot be redeemed for full face value.

    If they are only partial payment, then they are worthless.

    We have the power to fix this, if we take action to do so.

    Sadly, there so much advice about how to work around it or suggestion that that’s just the way that it is, that people won’t fight it.

    My business, Eating Oregon LLC no longer accepts checks from any bank that I cannot walk into and receive full payment of the face value of that check. The list begins with Bank of America.

    • K c

      Four gotten: good luck with only accepting checks that can be cashed at full value. 8 of the top 10 banks charge a fee for non customers. And how much time would you waste driving around to each bank to cash these checks? You are not forced to go to the drawee bank to cash the check. You know the bank where you have an account will cash/deposit these same checks.
      I have never went to another bank to cash their checks.

  • R Brown

    This information is outdated.
    Bank of American has joined the band of thieves that now charge people to cash a check drawn on their own customer’s account.

  • Justpayed$7tocash$60

    So what if you don’t have a bank account and you make minimum wage. If your only option is to be payed by check, you are either forced to sign up at a bank, or give the bank part of your money just to get your money, and then you are actually making less than minimum wage. This SHOULD make it automatically illegal. The bank could theoretically take 99.9% the value of your paycheck in fees if they wanted to, leaving you with nothing.

    • SAM

      This is extortion and nobody is calling the banks out on this blatant violation of our civil rights. A Bank is obliged to make good on the promise of payment made on their checks, a.k.a., a promissory note. If they want to charge their customers a few dollors for writing checks, so be it, but it should never be the responsibility of the recipients of a promised payment to pay an extortion fee before they can receive their money: Or to be blackmailed into opening up an account with their bank. Whether or not you have another bank account or not is totally irrelevant; in fact if you deposit it in you own bank account you are not charged a dime, which implies a prejudice, as well as, extortion. The argument of added costs, which the banks will give you when you question the charge, is one best given to their own customers, not the recipients of payment from their customers who should expect that if they write a check to a person, for what ever reason personal or business, that the check will be honored and paid in full to such person, by their bank without delay or added charges.

  • James Frye

    What happened to Pay to the order of???? That legally has not FEE Attached. IT JUST SAYS PAY!

    • http://www.mybanktracker.com Simon Zhen

      With no real law governing whether or not banks can charge a fee for non-customers to cash a check, banks can do as they please.

    • K c

      Pay to the order of simply means who the bank has to pay. One way to avoid the fee is to deposit/cash the check at where you bank at. No one forces you to cash the check at the drawee bank. If you’re afraid that the check isn’t “good”, don’t accept checks. Ask for cash.

  • Jeff Zerangue

    was told could not cash check that was from chase unless I was an account holder. I asked what does it take to cash a check without a fee. So I became a loyal account holder for 10 minutes. I opened an account.by giving them $25. cashed the check they wanted a $6 fee for. then turned around and closed account. I love capital one more than ever now realizing they don’t stoop to these levels. If we let them they will. If we boycott them they won’t rape and abuse us. Time to take a stand in America.

    • http://www.mybanktracker.com Simon Zhen

      Well, that’s one way to do it… You did that all in one visit? How long did that take?

    • guest

      Are you sure there is no fine print in the acount paperwork that will cost you something for that account closure? And also are you sure the bank did properly close the account and won’the be running up monthly and other fees to eventually send you a bill? If so that is a great way for now but they will almost certainly change fine print so that can’take be done for free anymore if many people do that. I thought of that after I had the problem with Chase wanting to take $6 for cashing their check to me, but I don’t trust them nor want to read all their fine print to see if it would be expensive, I am glad you did it as long as Chase doesn’t get to charge you for it.

  • Kamal Mydean

    Banking in Canada have changed tremendously. I was a bank manager about 40 years ago, the days we used ledgers to post the transactions. Bank officials were paid a decent salary comparing the government employees in my time. Now the banks are raking in Billions of dollars profits and scrounging the unfortunate customers left and right. Say for example, 40 years ago Royal Bank used to have an account called Royal Certified Service, and later as Key account, where you pay a fee of $1.50 a month for unlimited transactions, write unlimited amount of cheques, Order cheques for free etc. etc… Those days are gone.
    In recent months, I came to understand that I am not allowed to bring in a cheque to My credit union Bank for cashing. They give you a withdrawl slip to fill in for cash. I happened to go to TD Canada Trust this morning to cash a cheque that was sent to me by one of my tenants for rent. With the past experiences with the tenant, I decided to go to his own Bank, the TD Canada Trust in Truro, NS. Since I did not have an account there, they refused to cash the cheque. Certain banks would cash a cheque if you pay a prescribed fee for third party cheques for cashing. But TD Canada trust flatly refused to do so. I asked the teller to certify that cheque (which involves a fee,ofcourse). Unfortunately, the writer of the cheque Larry H, did not have money in the bank to honour the cheque since he had already withdrew his pay cheque night before.
    Is this 21st Century only for Banks and financial institutions? Canadian Governments allow the Top executives to draw bonuses and dividends in the Millions?
    I happened to be an advocate on Income taxes. I had approached the Government of Canada to reduce the capital Gains tax from 75% to 50% during the John Cretchien Era, when Hon.Paul Martin was the Finance Minister. My pleading to save hundreds of Fisherman in the maritime Region, who were un educated and did not have any idea of Capital Gain Taxes, lost their lively hood by selling the boats and licenses and gear to the government to Help start business for the First nation across the maritimes. My reasons were handled properly by the Finance Minister and granted shelter to the millions people today in regard to Capital Gain Taxes.

    Is it not time that, we Canadians voice our opinions for a better life? We would like to see the banking mal-practices. LET OUR VOICES BE HEARD !!!!!!

  • Berad

    Whats total complete bank stinky is when I received a personal check from a business (clark public utilities) and their bank is U.S. Bank. So I go to a U.S. Bank branch to cash the check and they told me their would be a $7 charge. I asked why, they said it’s because they are performing a service. Outraged I said they are attempting to perform a disservice. They said I could become a customer, I responded that I feel they are greedy and their clients intention is to see that I’m reimbursed. Over $7 they have lost me as a potential customer for life. Shame on you U.S. Bank @Jan Estep #TeriCharestHasAPublicRelationsProblem. I went one block up the road to Fred Meyer and they cashed that U.S. Bank check for only $3.

  • CJ

    The fee that is assessed when cashing a check for a non-account holder can not be simply chalked up to greed of the specific financial institution. Not only are they taking their time away from current account holders to assist these non-account holders, but they are taking a risk by servicing these people that they have very little information on. Not only that, but the bank also incurs a processing fee for each check that they cash out, and that fee is passed on to you if you do not have an account or that fee is covered for you by the institution if you do have an account .

  • John McDonald

    This whole thing seems illegal to me. If I am the payee on a check, I should be able to be paid that amount by the bank who is holding the payor’s funds. Is there any legal standing either way for or against this action?

    • http://www.mybanktracker.com Simon Zhen

      Unfortunately, all of this is legal.

      Here’s some context from the Office of the Comptroller of the Currency (OCC):

      There is no federal law or regulation that requires national banks to cash checks for noncustomers. Most banks have policies that allow check cashing services only for customers who have an account with them in order to protect both themselves and their customers from forgeries.

      Also, if a national bank agrees to cash a check for a noncustomer, it may legally charge the presenter a fee.

      Link: http://www.helpwithmybank.gov/get-answers/bank-accounts/checks-cashing/faq-banking-check-cashing-05.html

      • John McDonald

        Absence of a law “requiring” a bank to cash a check is not relevant to the legality of a bank charging a fee to redeem a bank’s customer’s contract “check” to pay X amount to the payee. Look at the whole premise of a “bank”. Isn’t there an implied contract, if not written, a) between bank and account holders and b) between the payor and payee of a check?

  • Lawuana Ann Gillian

    The person who wrote the check is a customer. This service should be free. Charging a fee for this should be illegal.

  • libertypole1

    Glad to see I’m not the only disgusted by this blatant theft and money-grab by the banks. That check is a contract between the writer of the check and the person written to. The bank is not entitled to any portion of it. Isn’t there some movement or petition under way to protest this with out (owned by the banks) Congress?

  • libertypole1

    ps. my strategy is to publish a list for my clients that states “if your check is from one of these banks, please add the following amount charged by your bank for cashing your check.” If enough people do it, the blowback should begin.