Santander Bank Branch
Santander Bank Branch

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 banks?

MyBankTracker 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:

Cost of Cashing Checks for Non-Customers

Check Cashing Fee
Bank of America$8 per check for amounts greater than $50.00
BB&TFree under $50; Over $50 a fee of $8
BMO Harris Bank$10 ($50 is the minimum amount you can cash)
Capital OneFree
BBVA Compass$7
CitibankFree for checks under $5,000
Fifth Third Bank1% of the check amount ($4 maximum)
HSBC BankFree for personal checks; $3 for business checks under $100 and $5 for business checks of $100 or more
M&T Bank2% of the check amount ($3 minimum)
PNC Bank$10
Regions BankFree under $10, but above $10, 1% of the check amount ($2 minimum and $20 maximum)
SunTrustPersonal check is free; business check is $7
TD Bank$7
Union Bank$5 fee for personal checks over $100; $5 for business checks over $25
U.S. Bank$5
Wells Fargo$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 into 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.

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.

Check-Cashing StoreFees
ACE Cash Express2% to 6% of the check, depending on the type of check
AmscotUp to 9.9% of the check, depending on the check ($3 minimum)
PLS2.01% of the check ($1 minimum)
WalmartFor checks up to $1,000: $3
For checks of greater than $1,000 up to $5,000: $6

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.

Frustrated with your bank? Check out these new top banks that people are talking about:

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  • SteveO45

    check cashing places dont accept personal checks though, no?

    • 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.

          • Brooks


      • 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

  • 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!

  • 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!

    • 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 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.

    • 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.

    • Jolynn Keutzer Bales

      I told Huntington bank the same thing today.
      They charged me TEN dollars to cash my paycheck drawn on their own bank.
      She said it would be free if I opened an account.
      I told them that their ridiculous fee is the REASON I will never bank with them.

    • Batman

      Yeah, I’ve heard it before. So take it to your bank and deposit it and get your money that way. What jackass gets mad at the teller in front of him that has nothing to do with policy decisions? Write a letter to corporate you moron. -It’ll have the same effect; nothing. But hey, at least you’ll be yelling at the right people.

  • 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 .

    • Jolynn Keutzer Bales

      What fees does a bank have to pay when they cash a check drawn on their OWN bank??
      They are not taking time away from their customers when they cash a check from their own bank.
      They are serving the issuer of that check.

      When I write someone a check from my Chase account, part of the fees I pay to have the account should cover the completion of such transactions.

      It most certainly IS A money-making ploy from the banks.

      • Batman

        Banks pay money to the federal reserve to have access to money for their branches. Bankers aren’t butlers, they don’t serve you and your friends, they serve you, the customer with the account in front of them. And yes, it is a money making ploy. When was the last time you looked at a banks expense sheet? You think branches are free?

  • 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?

    • 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.


      • 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?

    • Jamie Brown

      I cannot agree that these charges are legal, and have taken the matter up with district managers at JPMorganChase Bank, and Wells Fargo. It’s also appalling that so many bankers get on here without any legal training or law degree swearing to us all that the law, or some bankers are dumb enough to say “regulators”, require this fee.

      Generally, Wells Fargo will waive the fee if you threaten to or actually call the district manager.

      I would challenge Mr. Zhen to provide a citation to federal authority for the proposition that somehow a national bank can charge you a fee other banks cannot.

      For instance, California Civil Code section 1428 provides that nobody owes any obligation to another unless it is by a contract, or required by law. Obviously, a third party cashing a check has no contract with the cashing bank. There is no law in California requiring persons to pay fees to banks in order to cash checks.

      If I get a check for $1,000, the bank is ordered by the depositor to give the payee $1,000, not $990, or some other figure convenient for the bank. Essentially, when you pay the fee, you are giving the bank a gift, because you don’t owe the money.

      Some class action counsel should get involved with this and sue all the major banks. Surely, some money could shake loose. This is all highway robbery, and the banks have been taking us all (willingly) for years. Wishing you all the best out there.

  • 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.

    • Batman

      Is the person cashing the check a customer? What are they giving the bank in exchange for that service? Because the bank is just giving them money, no? Like, just handing some random person money if you take away that fee. -Being a customer means you pay to get something, and if the account holder cashes his check there then yayyyy, the bank has his account so of course they’ll cash it no charge, and then he can hand that cash to that person. But if he doesn’t want to be there with the person they wrote their check to or have to carry all that cash around then he can let that person cash it and that person will pay for their laziness. -No account is a free meal, you still have to be responsible for how you move and use your money.

  • 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?

    • Batman

      You’re right, we should buy out all the banks and fund them with our tax money, I mean, with the way government run education is going this is just a no brainer right? -Look, be better with your money than bitching about shit you can’t control on the internet.

      • libertypole1

        We don’t have to buy anything. All we need to do is put the Fed out of business, print our OWN currency as provided by the constitution and institute a public bank with all profits from interest less salaries to adminster into the public treasury. Billions of income for the texpayers and a pestilential and almost an entire parastic class of society out of business. Win/win.

        • Batman

          ….. I can’t write the F-Word or they’ll hold my comments for a month, but what the hell are you talking about? You will never put the fed out of business, and not because of your fantasy nationwide credit union but because you depend on it too much. It’s in your wallets, in your stores, in your kids college educations. You, me, our parents, they built this system and their is no way out of it like that without tearing down society and Americans are too lazy to let that happen. -You don’t even know how money works, without the fed to manage it for you how will you? -Stop acting like you don’t depend on it and acknowledge that you do, otherwise you’ll never change the way things are for the better, you’ll just be spouting Trump nonsense about magical walls or whatever he is ranting on these days.

          • libertypole1

            Had you an actual clue (and you’ve revealed you don’t), you’d know that this is called public banking, that it’s already operating legally in a number of states, the private banks are scared shitless of it (whereas you’re merely witless) and in the last bankster-created economic crash the state of N. Dakota came through entirely solvent BECAUSE of their public banking system. Have a nice day.

            • Batman

              Seriously, what are you talking about? You’re arguing me on public v private banking? Its the same thing to the consumer, the difference doesn’t matter at this point. Look, I dont care about being right, I dont care about you being wrong, I’m telling you that this train of thought, this path of action without thought is reckless and careless. You want a bank that doesn’t charge fees? I want a better America, and neither one of us is going to get what we want by playing king of the hill. I’ve dealt with the fees and now I’m working on doing what I can to improve the system, it’s almost nothing but it’s better than whatever the heck it is you’re ranting on. The fees are there, they are not going anywhere anytime soon. If you want them to leave then improve the system because you can’t replace it.

              • Donald Grahame

                Batman, you miss the point. Fees should be charged to the customer who issued the check, I think, not the non-customer trying to cash it. Many poor people don’t have access to the banking system, and charging these fees hurts these people disproportionately to the size of the fees. In situations like this, when a business has little incentive to protect a vulnerable group, they can either choose to be socially responsible, or should be be forced to by legislation and regulation.

                • Batman

                  Look, I didn’t build the national caste system that decides who can and who can’t get a checking account somewhere, that being said, if you’re a US citizen all you need is a driver’s license to open a bank account, anywhere. -If you as an individual writes checks to other individuals without knowing whether they can cash them or not and don’t know about an obvious policy all banks have that isn’t hidden, how is that solely on the bank? How is that solely the banks fault? You gave the banks your money, for YOU, not other people, for you. At every account opening you sign an agreement with the bank between you and them, it does not include other people being able to take your money out of your account for free, at least not always, because yeah there are a few. So If they want to deal with the bank then there is a price to do it, but if they know they’re dealing solely with you, then go cash your check at the bank that keeps your money safe, gives you some form interest, FDIC insurance and ease of access to it and give your customer/clien/whoever the cash back. -Dont include a middle man in your transaction and expect him not to get paid.

                  • Donald Grahame

                    Batman, a troll simply reposts an obnoxious idea over and over without listening. You appear to fit in that catagory, as I quite explicitly observed that banks should charge the person who banks wih them any fees they need to: the third party receiving the check has no choice but to employ the bank’s services to get their cash ie the receiver of the check generally has no choice to “include a middle man” in the transaction, as you put it.

                • Batman

                  Dude, stop trying to analyze me, if I was trolling I would be having fun with this. Do you think this is fun to me? Hell no, this is a headache I deal with everyday and now I’m dealing with it in my down time? This is not fun to me.
                  -I will give you this, on a personal level, I am not in love with non-customer check cashing fees, my point though is that I know how and why they can exist. My real problems though is the attitude and how people are going about “solving” this, they come on line and complain on forums and it does nothing but convince people how “righteous” their cause is. Or worse and more common they come in and yell at me like I can control those fees or like I put them in play personally. And I can’t and I didn’t, it’s how the system is, a system Americans and people of the world have let be built because they don’t want to take more responsibility and control by learning more about banking or having a direct hand in it’s growth. Because the reality is that once you’re in banking you get to see how dirty banking really is. And I don’t mean plain old corrupt, I mean how tough it is. You’ve got time sensitive documentation, daily acts of fraud, mass protection of consumer funds, credit verification, miscommunication errors, ALL of this while you’re trying to do right by the customer in front of you so they can get a house or a car to go to work or access to funds you’re not 100% certain will clear without errors. -This is the kind of banking consumers deal with day to day, and guys like me who are not paid enough, in a high stressed environment are getting yelled at by the people you’re trying to help. This is why customer service is so terrible to have a job in, because you are in a job where you’re trying to help people and you are hated for it.
                  Like I’ve said, I don’t much care for non-customer check cashing but it exists, all banks are doing it and if you want to change it then you need to tackle it at a higher level. I listed solutions earlier but basically the only way it will change is if you can get corporate to take a pay cut OR if you manage the banks expense sheets and prove that they do not need the extra revenue, again, the expenses for banking are massive and unseen. It is not free to keep the money in branches, to pay the low level guys like me, to keep the lights on, to cover all the fraud customers we get, etc. Banking is expensive, and that is long before corporate payouts. -But this CAN change, but you need to understand this is not just intentional abuse by banks this is a product of the system society has built, realistically, banking has got more expensive, but yes, because people understand so much less about banking they can get hit with fees though it is legal, because it’s always been legal. The only way to change it again, is higher level corporate consideration for the consumer but since banks hold all the cards right now, frankly they are not inclined to care. The only way to change it is for people to learn the system enough to change it from within, banking is too extensive and too integral to everyday lives, there is no other way.

                • Nobody

                  So DG, you want to be charged every time you issue a check? Did I hear you right? I’ll let your bank know.

                  The current way things work, you don’t get charged for any checks you write and people who choose to cash your checks at your bank gets a fee. Btw they have other options to avoid any fees.

  • 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.

  • dj_books

    Santander charges a $6.00 fee per check. Smh….crooks.

  • Batman

    Just open an account somewhere and cash your checks there. Why is that so much of an issue? Who uses cash anymore anyway? None of these policies are hidden and the number of options you have are vast when it comes to using your money. Be better with your money and don’t just blame the banks.

    • J. Scott Helwig

      Batman – u missed the point.

      • Batman

        And no one on this thread has worked for a bank or knows what they’re talking about. You’re all just bitching about a business you’ve never worked in. -Look I get pissed at video game developers for delays or shoddy products but I know that I have NO IDEA what it takes to make a video game. I just know I can’t do it. -Why should I judge someone on something I don’t know how to do or understand? Just like people in this thread don’t know how to use their money nor understand how it works.

    • Patti Riccardo Watts

      When you deposit a check most banks will hold the funds for at least 24 hours or more. If you want the funds available immediately you have to cash it at the bank it was drawn from. That is why the banks know that they can profit off of people who need the funds immediately.

      • Batman

        No. Banks make funds available before the items clear, they hold it 1-3 days out of old procedures and the hope that doing so will make individuals think they will catch your fraud check before it clears. Physical checks can bounce up to two weeks after deposit and a check can be disputed years after deposit.

        • Nobody

          Batman is actually correct. Your bank doesn’t really know when a check clears from another bank. They only “assume” the check is good after a couple days. By the way your bank isn’t holding the funds. There isn’t any funds until the check clears. You’re not entitled to anything until your bank feels enough time has past for the check to clear. Banks don’t tell each other when a check clears; they only know when a check returns.

        • Tg

          Batman, learn something. When you cash a check on the bank it was written at, there is virtually NO RISK. They can and do verify the account holder has funds, and there is no cost for processing the check.

          The ONLY reason for the fee is GREED. The service is not being provided to the non-account holder, it’s being provided to the Account holder. Therefore, you are doing your account holder a disservice by charging their recipients a fee.

          I am doing what another person suggested: Asking for a receipt. Then charging your account holder the fee. It’s the best policy to deal with this bank greed.

          As for why people need to cash a check at a bank instead of opening an account… There are lots of valid reasons. Banking FEES, overdraft fees (even when you do not want overdraft as you can’t Fully disable it any longer for debit cards), checking fees, etc. are some good reasons. Another Good reason is when you are buying a house. If you weren’t ignorant, you would know you cannot deposit personal checks or cash when buying a house or else that money has to be explained. Therefore you may need to cash checks.

    • Phil

      Thats like saying or making others do business or they can’t receive money owed. Matter of choices, can be many reasons. If you don’t want it traceable for worked income if the other party isn’t going to claim/wright off. (Side work,benifit for both sides) or a structural welder who doesn’t need a another man/volt to hold money for safety. Tell an old timer that,ha! Cash is living life in reality without asking for shit thats not yours.

      • Phil

        Cash is legal tender …doc,print,federal by the US gov. actually counted physically. No need to handle the transaction or recall twice. Whats so hard about that? No need for 4 individuals getting paid to review,look over,manage…

        • Batman

          You know the federal reserve is an independent bank right?

          • Bryan Hawn

            Batman you are officially an idiot. The more you talk, the dumber you seem.

            • Eska

              Ha- no doubt! Bitter and entitled whiner. And a bank teller, maybe not so clever as she thinks she is to boot.
              The bank should only be concerned with the business relationship of their customer- the party writing the check- and this relationship goes a little like this, Batman. I set up an account with the bank. They will or won’t charge me for my checking account. My checking account allows me to write checks to others. The Bank has agreed to honor this system.
              Charging the receiver to complete this transaction between bank and customer is insulting. When sheeple like Batshitman think this is ok, then the banks can get away with it.
              Bank wants me as a customer? Don’t shaft me because ‘other banks do it’, treat me with respect. Honor your commitment to the customer that wrote me the check.

            • Kawika

              Hawn you are the idiot, Batman is right. The reserve is independent of the US government which charges the government interest to use OUR own money. look it up before you speak.

      • Batman

        Evolve or die, bend with the wind or break, business is nature. The universe doesn’t give a damn about your morality or conscience, it cares about balance. You want someting then you give to get it. And the old? They should have thought smarter when they were young. You hate my answer? These are hard truths that ignoring does no good, facts are facts. People want the world to baby them, they dont want it to be fair, but the thing is, only a fair world can sustain itself because it will never take more than it can give.

    • Tg

      When you cash a check on the bank it was written at, there is virtually NO RISK. They can and do verify the account holder has funds, and there is no cost for processing the check.

      The ONLY reason for the fee is GREED. The service is not being provided to the non-account holder, it’s being provided to the Account holder. Therefore, you are doing your account holder a disservice by charging their recipients a fee.

      I am doing what another person suggested: Asking for a receipt. Then charging your account holder the fee. It’s the best policy to deal with this bank greed.

      As for why people need to cash a check at a bank instead of opening an account… There are lots of valid reasons. Banking FEES, overdraft fees (even when you do not want overdraft as you can’t Fully disable it any longer for debit cards), checking fees, etc. are some good reasons. Another Good reason is when you are buying a house. If you weren’t ignorant, you would know you cannot deposit personal checks or cash when buying a house or else that money has to be explained. Therefore you may need to cash checks.

    • Kawika

      Batman opening an account for some is not an option for many reasons. Millions of people use cash daily not just cards especially in business. Nevertheless cashing a check upon the issuing bank is very important when the check is turned down in regards to trusting the person who gave you the check. And also when your bank is not local, as in another state. Construction, farming etc are many of business that still rely on cash daily. For me it delayed remodeling of a home for resale, workman’s salaries and needed supplies when a simple $3500 Chase issued check was turned down by a out of state Chase bank branch for immediate cash to my workman for me during my returned to my home state.
      This is wrong. Federal laws [UCC article 3 and 4 etc] state that you are
      owned what is written and tendered upon a valid check or cash by the issuing
      bank whether you are a non-customer or not. That’s why we are charged monthly check fees.
      The law addresses the check to be tendered and obeyed upon demand to
      the person who receives the promised payment,. When you Gina and others
      like yourself give in to this greed then you become part of the problem of the
      greed. Going to your bank is an option which then the check will be but
      on hold so banks can earn even more money from your hard earned check
      which actually happens. But when you need the funds that day to finish or
      pay an immediate debt and denied by the issuing bank this is
      legally wrong, as flyby/Morris have indicated. Bank policy is not
      standing law only strong arm greed. If they refuse to cash a valid check
      not withstanding certain conditions such as lack of funds, ID or too
      large amount etc any harm from the refusal can be charged to the bank that
      issued the check. Therefore, as indicated, the UCC does have laws that protect the person having a valid check against the issuing or beneficiary bank. Sullivan’s statement is missing one
      important fact, No UCC statute only a misstated hearsay. Stand for your rights
      or permanently lose them. That’s what makes America Strong… therefore giving freedom meaning to the common people. That includes protecting you batman… freedom of speech.

  • gg7

    M&T cash its checks for free. It cashed my paycheck of $1400 twice. I think most of the banks have changed their policies!!! Please update the information…..

    • Simon Zhen

      I’ve reach out to M&T reps and the check-cashing fee for non-customers should be 2% of the check value with a $3 minimum fee.

      • gg7

        Really????? But mine was free! They never pushed me to open an account with them like Bank of America.

        • Simon Zhen

          Bankers are often allowed courtesy fee waivers. Does the branch often recognize you for going in to cash checks as a non-customer? The check-cashing fee is put in place to reduce the risk that a check is cashed, but bounces later. If the bank knows you’re a familiar face, they might have removed the fee just for you.

          • gg7

            Thnx for da information……

          • Batman

            Some businesses will pay the fee for their employees or for the people they write checks to through an agreement they have with their bank. They do this so customers do not have to face the fees when cashing. This is the only time a non-customer fee is waived. Again, this is a business, they have to make money, just paying people hourly to stand there and cash checks, run the ATM’s, handle all that cash, even the lights, COST. MONEY. Banks aren’t paid for with your taxes they need to make money to stay open.

  • Acst

    Suntrust isn’t free for personal checks any longer, as of 6/6/2016, except for checks under $50, according to my most recent statement. Can’t find anything on their website about the change.

  • ricandersen

    As of May 27, 2016, Capital One charges non-customers $7 to cash a Capital One check.

    • Ann Solar

      Thank you for that information.That is exactly what I was trying to find out.

  • Phil

    This doesndoesn’t even make sense…haha. Its Their Own check,ass backwards. Old days it would be illegal along with them asking to put you in school again. Ding*

    • Batman

      You’re not their customer. They’re a business, they want to make money, this is America, thats the point of capitalism. You don’t like it, dont go to them, go to Russia or China. You don’t have an account somewhere to deposit or cash that check then suck it up and pay the fee, you’re not contributing to society by hiding what little money you have in a shoe box beneath your bed.

      • Bryan Hawn

        your point doesn’t support robbery. Capitalism doesn’t justify taking money that doesn’t belong to you. But karma keeps a perfect record of books, and that’s why banks are going down. At least in a shoe box no body will steal it. Supporting the economy and blackmailing customers to try and bank with you by gouging them is beyond fucked up. The bank did absolutely nothing to earn or deserve that money.

      • Bill

        Oh good god. Another blue blood American that has bought into spoon fed conservative talk show host rhetoric rather than exercising a single brain cell to muster an original thought. “go to Russia or China” Really! Is that your worn out response and uninformed attitude? Suggesting that paying the fee is contributing to society is ignorant at best. Contributing to society is being a part of a discussion of how things should change. Thinking that we need to change corporate structure in America is a valid argument based on all of the horrific byproducts of corporate policy. Sure, banks need to make a buck so that they can continue to exist but looking even a tiny bit deeper reveals banking policy and investments that do great harm, usually to poorer people, poorer countries, the environment and our fee paying helps the banks shape policy in America that favors and protects their corporate profit making machine. Please do a little research, don’t ignore the fallout of banks, government policy and most corporations. This is America, where we are allowed to confront the status quo and where we expect those who represent us to do better. We are not cattle, don’t you be one.


        They are offering a service to their customers in which a note is issued on behalf of their bank’s name to pay cash for the said amount of the note to the bearer of the note, upon demand. They are not honoring that 100 year old institution by then charging an additional fee to pay on their notes. This is not capitalism, it’s a con-man contractor taking payment for something and then japing you on the service they are to provide. Any good Conservative should be appalled by this lack of ethic, as we know that any good Democrat would be.

      • Curt

        Better yet I will keep back charging the customers until they find a bank without these bad policies. Oh by the way, banks did not have anything to do with the bad loans? I guess the government just decided to hit them with one of there own fees then. Lol

  • Batman

    Look, I’ve littered my posts across this article and my point is this: None of you know anything about banking. All your comments pain me, seriously, because I have to deal with people like you. Realize you don’t know everything then figure out what it is you dont understand. Learn the system and make the best of it, and when you can, make it better for yourself and others. Quit bitching and getting mad before you’ve even learned how you could improve things.

    • Hanker

      Actually there is nothing more dangerous than a boardroom full of corporate greed. Think Wells Fargo. Or the bankers that caused the worst financial crisis since the Great Depression when their unchecked greed caused the housing market crash. So work your low paying bank job while your bosses make billions off the backs of those who actually work. And by all means keep reading and spouting inspirational quotes like the one you provided above.

      • Adrian

        lol yeah the investors had nothing to do with it. people insisting on living beyond their means had nothing to do with it. Everyone was being a bunch of greedy fucks that lead to the housing market crash. not just the banks but also the consumers insisting on buying the American dream on credit. the banks were a major driving force in that incident of course. but by all means keep deluding yourself that real estate investment decision made by the consumers was sound. if you buy a house expecting it would forever increase in value, your plan of making a quick buck on the difference between purchase price and future value was seriously flawed. and yes that is a heavily simplified scenario to drive a point home. peace

  • Hoang

    If something doesn’t make common sense then to me it’s just stupid. I am handed a check for payment. Yet I can’t get the whole amount by cashing the check where the person paying me is told that “yes, just give some one a check and we will honor the check”.
    They are just transferring the convenience fee from the person writing the check to me the person receiving payment.

    Isn’t it THEIR convenience that they don’t have to carry CASH around to pay me instead of JUST writing a check? It’s certainly not mine. Just give me my CASH then.

    • S T

      That was my question today when I went to Chase to cash a check from a person. Ughhhh!! Why do I have to pay for her convenience when she (the check writer) owed me money??? Lol. PAYPAL may be putting a crunch on banks. Idk for sure, but I imagine. It’s so frustrating. I appreciate your comment. Totally understand.

    • Nobody

      Do you know who will give you full amount for our check? Your bank. When you cash/deposit at your bank, chase will pay your bank the full amount. There you go

  • Batman

    Buddy, I’ve worked for a bank for 5 years, I’ve cashed more checks in a day than you’ll see in your lifetime. I’m not trying to gloat, this is just a fact, checks are outdated, I write 2 maybe 3 a year myself.
    And I cannot understand a damn thing you are saying, you’re just saying things and calling me names. Look I don’t care about being right, I care about you learning a little because moaning on an internet forum wont help you as a person.
    Look, banks do not alter check amounts, the check amount is always taken out of a customer’s account for the written word amount but as far as the transaction itself goes, the bank is handling that transaction and they can charge whatever they want. -These aren’t hidden rules and how would they be illegal? I pay a premium on my car insurance every month but if I was in a wreck I’d still have to at least pay a deductible of $500-$1000, why shouldn’t my premium cover all of this? That doesn’t seem fair. The answer? This is the cost of doing business, this is the system of business, it’s how it works. Everything has a cost and it’s not always fair or the same for everyone. -For example, I have to pay $130 a month for 30 gigs of HOME internet because I live out in the middle of nowhere. Am I happy with that? No, but I would prefer either more internet or a lower monthly. Am I bitching about it? Also no, because that would not change anything. Am I trying to solve it? Yes, I am going to move into the city and get unlimited cable inernet cheaper because that is the only solution available to me but will ultimately benefit me in the long run. My whole point here is this, understand that if you don’t understand why or how the system works then actually do something to fix it. You can work in the system to understand it, build a new system that you understand, or hell if you can somehow do it (but I’d be amazed if America was dumb enough to chop an arm off like that) then take down the old one. Just stop complaining on the internet and go figure out a real solution, not pat each other on the back agreeing, “Yeah! Banks are evil and criminal! Who cares about FDIC insurance?!” And then go to the same bank for 300K mortgage or an auto loan or a checking account or a credit card, it’s hypocritcal and it’s common. Be different, actually fix things, get your hands dirty and expand your mind on how the world works. The world isn’t out to bankrupt you but everyone in it is trying to survive and yeah under capitalism we all want to be rich. So help yourself grow and change and then help the rest of the world do the same.

    • Donald Grahame

      You seem to be ignorant of the fact that bank’s ability to issue pieces of paper that duplicate the functions of legal currency is not some right that they have: it is conferred on them by the government.

      If they abuse that privilege it could be theoretically withheld. The banks can’t do whatever is commercially convenient for them, and never have been able to.

  • Dennis Moore

    There seems to be some dispute about the check cashing fees at Union Bank for non-customers, as your information indicates that as a non-customer I should be paying $5.00 to cash a check there, yet for the last couple of years they have been charging me $10.00 per check. Just yesterday over the phone I discussed this with a Gloria Solis, who had earlier called me twice indicating that she was calling on behalf of the President & CEO, Stephen E. Cummings. There was also another issue involved, that of racial profiling. Although I bank with Wells Fargo in Lancaster, California, due to my participating in a glaucoma study in Newport Beach, California, I found it more convenient to cash the check(s) that the doctor had issued me there. The doctor had issued me more than 15 checks over the last couple of years, and for the most part I would cash them at the Newport Beach location with no problems or issues. Only recently a teller by the name of Mary Vanderwerf, after accepting my $10.00 fee assessed for check cashing, and my providing her with two forms of identification, whe would then call over to the doctor’s office just a few blocks away to further scrutinize me. No other teller would or did do that. I viewed this as racial profiling, as she is white and I am black. Several other officers and employees of the bank got involved to mediate or assess the issue, even going as far as my getting calls from the President & CEO of the bank’s office. I have been very troubled by this. Regards, Dennis Moore

  • S T

    I was just told by a teller at Chase, here in Houston, that the fee is $8.00. This article says $6, so I do not know what the true cost is, but be warned it may be even higher than indicated, herein.

  • jeff_000

    What I do is tell them I need a receipt as it is a payment for something and I will either need the receipt to “back charge” THEIR customer the fee and need the receipt to give them a copy, or for a tax write off… Most banks don’t want the customer to come back wanting to know what the check cashing fee they got back charged was or a tax issue so they will just wave the fee… Back charging is the best, you take a check from someone in lieu of cash for convenience, BUT, if there is a fee involved for cashing said check it is on the person that wrote it… So basically, the fee can be worked around one way or another…

  • Jeff_111

    It’s a “Greed Fee”. Nothing happens between the bank teller’s till and my hand that warrants or justifies such a fee. Or perhaps you could consider it a penalty fee for not having an account with them. If you deposit it into your bank account you get the full amount, your bank pays no such fee to their bank. There is a chance that if you point this out and call them out on such unscrupulous business practices they will waive it. In essence, such fees are no different than the requests at many businesses where you may be asked if you would like to donate to an amount of money to a charity, except the banks are implying such donations are required. Delta did something similar with their “live person” fee, which they have since discontinued.

    Another comment suggested requesting a receipt for the fee so you may back charge the account holder who wrote you the check. This is a great suggestion as they are already paying an annual fee for the checking account, there is no justifiable reason you should as well.

    • Adrian

      your comment makes zero sense to me. Do you walk into a mcdonald’s and get pissed because you just got charged 2 bucks for your soda? (I mean you might want to because the mark up on that crap is stupid high). Of course if you yell and moan and throw “knowledge” in the teller’s face they will waive fees. Not because they agree with you, but because they don’t want to waste any more time on your obnoxious rants. It’s a non-customer charge lol you do not even bank with that for-profit institution. You expect them to freely provide you with a service? If you were to bank with most of those banks, you could cash those checks for free (shocker). So either you were too damn lazy to go to your own bank to cash it.. OR you didn’t want to take the risk of taking the word of whoever gave you that check that it’s good a check. Instead transferring the risk that it’s not fraud etc to the bank. Aside of having to meet various regulatory requires to provide check cashing services there are some additional behind the scene costs associated with that that service. Also, whoever wrote you the check can cash their own check for free. But why in the world should you be able to walk into any business and feel entitled to free services? Oh and fyi some of those major banks will no longer cash checks for non customer in the future at all. So some poor teller is going to be stuck hearing you rant over whatever entitled bullshit comes to your head.

      • Curt

        Either way it will hurt your banking business because A pay your clerks more to listen to the rants of people complaining about your poor policies; or B wait to see how many customers leave after they get charged for your excessive fee from the vendor. No one is required to have a banking account nor I’d or driver license. Thanks for playing.

        • Johnny Nobls

          Charging for a service is not a poor policy.

      • Wheatstraw

        Because, you angry twit, the service is actually being provided to the account holder, who pays the fees associated with the account for the service of allowing him to give promises to pay to folks instead of walking around with a sack full of silver. Nobody should be required to have a bank account at all in order to be on the receiving end of such transactions, and charging a fee just cheapens the promise. And btw, no risk is transferred to the bank, who can just look right in the account to see if the money is there. Just because YOU post intimidating angry rants doesnt make you any smarter than my goldfish.

        • Matthew Sullivan

          The Office of the Comptroller of the Currency, or OCC, tackles this issue on its website, Answers About Cashing Checks.

          It states, “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.”

          It goes on to say, “Also, if a national bank agrees to cash a check for a noncustomer, it may legally charge the presenter a fee.”

          The OCC charters, regulates and supervises all national banks and federal savings associations, as well as federal branches and agencies of foreign banks. It is an independent bureau of the U.S. Department of the Treasury.

  • John C. Schumacher-Hardy

    For centuries it was common practice to cash checks at a bank from which the check is being drawn from for FREE… as a simple act of regular public business practice, under their state bank licensing privileges. This recent scam of charging people fees is another greedy ploy for banks to steel more money. One or two forms of public ID should be more than sufficient to cash a check by a person who does not happen to have a bank account with that bank, especially if one of the IDs is government issued such as a State drivers license or Federal passport. This new check-cashing fee scam constitutes bribery, coercion, contract violation and discrimination. It is a financial assault upon the public. Banks should immediately be barred from conducting this and be forced to return to general public service practice. A check is a signed contract. It states the issuer (account holder) is contracting a payment to the bearer (check recipient), with the bank name identified too as a key facilitator of this contract. The bank prints these checks for the account holder. The bank is a participating party in this process. I have yet to see any check printed with any notice that a bearer who does not have an account with the bank is subject to a fee in order to cash their check, i.e. execute the contract. Hence, the bank-printed checks are deceptive and fraudulent in that they do not honor the full term of the contract (that is to “Pay to the bearer “X” amount of money” etc. … no extra fees disclosed). Perhaps someone should orchestrate a class action suit against the banks for this contract fraud, bribery, theft, coercion and discrimination? ? ?

  • steven

    since late 2015 the keybank check cashing fee has been $5 and still is to this day. i dont know hwere you got the 7.5 but thats incorrect.

  • Austin Morris

    I make this simple statement and I get paid IN FULL nearly every time :
    “I’m sorry, I do not consent to that. I require the full amount I am legally due, as specified in the check I have presented.” Stick to your guns and they fold almost every time. They know they have no authority to help themselves to any of the money ” Pay Austin Morris $100″ means exactly that.

    • Hadiza Adil Theila


    • Matthew Sullivan

      The Office of the Comptroller of the Currency, or OCC, tackles this issue on its website, Answers About Cashing Checks.

      It states, “There is no federal law or regulation that requires national banks to cash checks for non-customers. 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.”

      It goes on to say, “Also, if a national bank agrees to cash a check for a non-customer, it may legally charge the presenter a fee.”

      The OCC charters, regulates and supervises all national banks and federal savings associations, as well as federal branches and agencies of foreign banks. It is an independent bureau of the U.S. Department of the Treasury.

      • Airwine

        Ah, the old “forced to charge by regulations” ploy. These would be the regulations that the banks insisted on and got in the process.


        One could make the argument that a fee on the exchange of liquid money (checks, cash, coins) is a form of interest rate on the aggregate free flow of money. In that light the American consumer in the moment they are without an account although is paying a fixed one-time fee, are paying a sort of interest rate on liquid money (M0) transfers when taken the entire economy into the picture. In principle this fee should be regulated just as interest rates are

    • gina marie

      simple solution. go to the bank you have an account with to avoid the situation. bank tellers are not taking your money it is banking policy that the tellers abide by.

  • SphinxEmmaShade

    The fee listed for Chase is incorrext- they charge an $8.00 fee for cashing a check drawn on a Chase account.

  • All-maka-sense

    Unknown by most people, it takes approximately $7 (filming, wages, time, transportatin ect) to process a check. If you do not have an account or are not contributing to the institution to which you are cashing a check with, you are therefore creating a cost for them. In order to cover this cost you get the fee for cashing a check when you do not have an account with them. Makes sense.. Just open an account with a good institution, put on you big girl panties and put it through your own account. Problem solved.


      Untrue. If the check is drawn on the name of the bank you are visiting, it is the same as presenting them with cash. They can (if they so desired to stay a reputable place of business) verify the check number for it’s authenticity, account drawn upon, all of the check-clearing steps which now takes mere milliseconds thanks to computers – and at no cost to the bank whatsoever. It would be the same in principle as bringing in a 50 dollar bill to a bank and asking them for change. They look at it under the light to ensure the bill’s security features are there, and you get the change of two twenties and a ten. A state and federal commercial banking charter explicitly dictates what a bank can and cannot do, with the express purpose of them offering a public good. It cannot charge certain interest rates, of which one could argue includes this type of “rent seeking” to profit off the the exchange of liquid money (like cash or checks), deposits or withdrawals. The banks traditionally therefore earn a profit by selling mortgages and loans.

      The idea that banks would charge a customer off the street for making change, is pretty recent phenomenon. It is another example of Wall Street class warfare, profiting from citizens and getting away with a little bit of fraud by violating their commercial bank charters, which now apparently now needs some new regulation.

      • Beeker

        Anyone could easily deposit the check from their app which you ignored. There is a trend towards using Venmo, Google Wallet or Zelle to initiate payments and receiving it. Have you tried it?

  • Dayle Hudson

    Wrote a check to my son. Took it to same branch. The took seven dollars out for check fee. Can they do that.? He doesn’t have account with them but didn’t get what I wrote it for.

    • gina marie

      Yes they can do that. If the check is written to your son then he takes ownership of the check and being he does not have an account he will get charged the fee. To avoid the fee you would have to be present and cash the check.

  • Erica Chancey

    i owe td bank money on another account will they take a payroll check and cash it with out taking what i owe?

    • This is difficult to say. If you try to cash the check as a non-customer, you’ll get hit with the fee. If you try to cash it as a customer through the account with a negative balance, then the funds will likely be used towards that owed amount.

  • Beeker

    Starting August 15th, BOA will be upping the fee to $8. The reason for that is they want to reduce the use of checks as it is expensive to process and handle. The main focus is on using services like Zelle, Google Wallet, Venmo, etc. Additionally banks also have on their app that allows people to deposit their checks they receive right from home. Be warned, there are limits they impose for the amount you deposit for the month.
    Disclaimer: I am not an employee of any bank.

    • Thanks for the notice. We’ll make a note to update it when that change happens.

  • Non resident Alien

    As a foreigner this discussion is particularly interesting and useful – thank you for the list of banks and policies. I find the banking sector in the USA generally rather parochial with many banking only having branches in one state or in some cases only in one town [yes, I understand the anti-monopoly laws]. In my home country I can be assured that there is a branch of “my” bank within any small town across the country and the concept of going to a bank that I do not bank with is almost unheard of. I am reading this thread as I have been living in the USA for a few months and have just been handed a check as a refund on the deposit that I paid on the accommodation that I rented. The rental agency does not “do” cash and I will thus need to find a bank that will cash this USA check before I return to my home country. Reading this thread suggests that it might actually be the same price to ask my bank at home to cash what is then a foreign check and I will be charged for the currency conversion as it would be to go to a bank in the USA where they actually deal in USA dollars.
    As an “aside” I tried a couple of months ago to cash a “cash” check and I had to go to a number of banks before I found one that would cash it. It would seem that a cash check is not really cash?
    This would in fact not be a issue in my home country, there would not be a charge for cashing a cheque for the receiver of the money. Any charges are for the account of whoever writes out the check and is thus a holder of a checking account.

    • You may have finally cashed the check upon which the check was written. Banks will not cash a check written through another when it is presented by a non-customer.