There may come a time when you’re handed a check that you need to cash at a bank that’s outside of your own. As many customers know, it can take three to seven business days for a check to clear if it isn’t from your own bank.


If you’re in dire need of the funds, or don’t have a bank account of your own, you can go straight to the bank (assuming one is near you). But be aware there are most likely fees associated with cashing a check if you are not a customer of the bank.

Of course, not all banks charge for this. If you are looking to cash a check from KeyBank or Capital One, you’re in luck — this service is free! However, if your only option is either M&T Bank or PNC Bank, be prepared to pay $10 for each check.

It’s important to understand that the fees charged by the following banks aren’t always so cut and dry. Some banks charge different amounts for personal and business checks, while some charge a percentage of the deposit amount.

Here is a list of 20 banks and how much you can expect to be charged if you cash a check there.

BankFee Policy
Bank of AmericaFree for personal checks; $5 for business checks
Bank of the WestFree for checks under $50; $5 for checks over $50
BBVA CompassFree for checks under $50; $7.50 if the value of the check is $50-$100; $10 for checks over $200
BMO Harris BankFree for checks under $50, otherwise $5 fee
Capital OneFree
ChaseFree for checks under $50; $6 for checks over $50
CitibankFree for checks under $5,000
Citizens Bank$7
ComericaFree (except in Michigan: $10, Texas: $7)
Fifth Third Bank$5
Huntington Bank$6
M&T Bank$10 flat rate for all checks
PNC Bank$10 for checks under $1,000, will not cash checks over $1,000
Regions Bank$1 for every $100
Sovereign Bank$6
TD Bank$7
U.S. Bank$5
Wells Fargo$7.50


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  • Rossiferous

    This article (1) seems to say that charging a fee is OK without providing any justification for the charges and (2) fails to recognize the historical evolution of “checks”. Checks are a specific form of a Draft. A Draft is a written order (instruction) by a ‘depositer’ to a holder of the depositer’s funds to pay depositer’s money to a specific entity. Failure to make the payment is a ‘dishonor’ of the draft or check. A bank charging a fee to the person cashing the check is dishonoring the check, at least to the amount of the fee charged. This could create a liability on the depositer who, in turn, could sue the bank for indemnification due to the bank’s dishonor of the draft. I fail to see why a check is different ‘going thru the system’ and being presented at the counter of the bank holding the depositer’s funds.

  • mike m

    Big money banks still ripping the public off…they got a lot of “you know what”. You put your money in their bank x number of others earn interest on your money and charge you additional fees to withdraw any of your money…close your accounts,pay your bills with money orders and see how.long that lasts…CEO’S getting fatter on your dime…