William Lipovsky
Some banks and credit unions will allow you to cash a check without having an account at that bank — or without having a bank account at all. Many banks and credit unions do restrict their check cashing services to account holders only, but there are options for non-customers. Below, we list the banks and credit unions that will let you cash a check without an account.
Note that you can’t cash any check at any bank. Even banks that allow non-customers to cash checks may restrict these transactions to certain check types or only cash checks that are drawn on accounts from that particular bank. We’ve divided our list below into banks that cash most check types and banks that will only cash checks drawn on their own accounts for non-customers.
Our list of banks and credit unions that cash checks for non-account holders is in alphabetical order so you can easily find information about the issuing bank of the check you need to cash, or a bank that you know is in your area. We compiled this list by checking each bank’s website for information about non-customer transactions and contacting their corporate customer service departments to confirm the details.
Comparison Table
See the table below for a quick comparison of which banks and credit unions cash checks for non-customers, as well as the fees associated with the service. You can select any bank or scroll for more information.
| Bank/credit union | Must checks be drawn on the bank? | Fees |
|---|---|---|
| Bank of America | No | Free up to $50; $8 otherwise |
| Chase Bank | Yes | Free up to $50; $10 otherwise |
| Citibank | Varies by location | Vary |
| Fifth Third Bank | No | Vary |
| HSBC | No | Free for HSBC checks; varies otherwise |
| KeyBank | Yes | Free up to $15; varies otherwise |
| Regions Bank | No | Free for Regions checks up to $25; 1% to 4% otherwise |
| Truist Bank | Yes | None |
| BMO Harris | Yes | Free up to $50; $10 otherwise |
| Chartway Federal Credit Union | Yes | 2% or $3, whichever is greater |
| Connexus Credit Union | No | None |
| Mountain America Credit Union | Yes | None |
| Navy Federal Credit Union | Yes | None |
| PenFed Credit Union | Yes | None |
| PNC Bank | Yes | Free for checks up to $25, then the greater of 2% or $2 |
| TD Bank | Yes | $10 |
| U.S. Bank | Yes | $7 |
| Wells Fargo | Yes | $7.50 |
Banks and Credit Unions That Cash Most Checks for Non-Customers
Bank of America
Note: Non-customers must cash checks at a full-service branch, not a drive-up location.
- Types of checks cashed for non-customers: (All checks are subject to review and will be cashed at each bank’s discretion.)
- Any check drawn on Bank of America
- American Express and Visa checks
- Domestic traveler’s checks
- Government checks[1]
- Fees for non-customers: None if the check is under $50; $8 for checks over $50[2]
- Requirements: Two forms of ID, including one valid, government-issued photo ID[3]
- Typical hours of operation:
- Monday through Friday: 9 a.m. to 5 p.m. or 10 a.m. to 4 p.m.
- Saturday: 9 a.m. to 2 p.m.
- Find a branch
Chase Bank
- Types of checks cashed for non-customers:
- Checks drawn on Chase Bank[4]
- Fees for non-customers: None for checks under $50; $10 fee for checks above $50[5]
- Requirements: Valid, government-issued photo ID[6]
- Typical hours of operation:
- Monday through Friday: 9 a.m. to 5 p.m.
- Saturday: 9 a.m. to 2 p.m. Saturday
- Find a branch
Citibank
- Types of checks cashed for non-customers:
- All checks drawn on Citibank
- Varies by location[7]
- Fees for non-customers: Vary by location and check type[7]
- Requirements: Must show at least one form of valid ID[7]
- Typical hours of operation:
- Monday through Friday: 9 a.m. to 5 p.m.
- Saturday: 9 a.m. to 2 p.m.
- Find a branch
Fifth Third Bank
- Types of checks cashed for non-customers: Varies by location[8]
- Fees for non-customers: Restrictions and fees vary by location[8]
- Requirements: Must have two forms of ID, including one valid, government-issued photo ID (suggested second forms of ID are a debit or credit card)[8]
- Typical hours of operation:
- Monday through Thursday: 9 a.m. to 5 p.m.
- Friday: 9 a.m. to 6 p.m.
- Saturday: 9 a.m. to 12 p.m.
- Find a branch
HSBC
- Types of checks cashed for non-customers:
- All checks drawn on HSBC
- Other checks may be cashed at the branch’s discretion, including payroll, government/tax refund, insurance, and corporate checks[9]
- Fees for non-customers: None for HSBC personal checks; otherwise, fees vary by location[9]
- Requirements: Two forms of ID, including one valid, government-issued photo ID[9]
- Typical hours of operation:
- Monday through Thursday: 9 a.m. to 5 p.m.
- Friday: 9 a.m. to 6 p.m.
- Saturday: 9 a.m. to 1 p.m.
- Find a branch
KeyBank
- Types of checks cashed for non-customers:
- Any check drawn on KeyBank
- Check amount must not exceed $5,000[10]
- Fees for non-customers: None for checks less than $15; fees vary by state for checks larger than $15.[11]
- Requirements: Two forms of valid, government-issued photo ID[11]
- Typical hours of operation:
- Monday through Thursday: 9 a.m. to 5 p.m.
- Friday: 9 a.m. to 6 p.m.
- Saturday: 9 a.m. to 1 p.m.
- Find a branch
Regions Bank
- Types of checks cashed for non-customers:
- Government (including tax refunds)
- Handwritten
- Insurance
- Out-of-state checks
- Money orders
- Payroll
- Two-party
- Cashier’s checks[12]
- Fees for non-customers: No fee for checks under $25 drawn on a Regions Bank account; otherwise, a fee of 1% to 4% of the total check amount (minimum $5) applies, depending on check type.[12]
- Requirements: Non-customers must enroll in its check cashing service the first time they cash a non-Regions check; enrollment requires a valid ID and Social Security number.[13]
- Typical hours of operation:
- Monday through Friday: 9 a.m. to 5 p.m.
- Saturday: 9 a.m. to 12 p.m.
- Find a branch
Truist Bank
- Types of checks cashed for non-customers:
- Any check drawn on Truist Bank; checks are cashed at each bank’s discretion.[14]
- Fees for non-customers:
- None[14]
- Requirements: Must show a government-issued, valid photo ID; check must be validated before cash is given[14]
- Typical hours of operation:
- Monday through Friday: 9 a.m. to 5 p.m.
- Saturday: 9 a.m. to 12 p.m.
- Find a branch
Banks and Credit Unions That Cash Their Own Checks for Non-Customers
BMO Harris
- Types of checks cashed for non-customers: Any check drawn on BMO Harris[15]
- Fees for non-customers: None for checks up to $50; $10 for checks over $50[16]
- Requirements: Valid, government-issued photo ID[15]
- Typical hours of operation:
- Monday through Friday: 9 a.m. to 5 p.m.
- Saturday: 9 a.m. to 12 p.m.
- Find a branch
Chartway Federal Credit Union
- Types of checks cashed for non-customers: Chartway-drawn checks written from a personal or business account and checks payable to a business[17]
- Fees for non-customers: 2% of the total check amount or $3, whichever is greater[18]
- Requirements: Valid, government-issued photo ID[18]
- Typical hours of operation:
- Monday through Thursday: 9 a.m. to 5 p.m.
- Friday: 9 a.m. to 5:30 p.m.
- Saturday: 9 a.m. to 1 p.m.
- Find a branch
Connexus Credit Union
- Types of checks cashed for non-customers:[19]
- Checks drawn on Connexus
- Checks drawn on Heritage Credit Union
- Fees for non-customers: None[19]
- Requirements: Valid, government-issued photo ID[19][20]
- Typical hours of operation:
- Monday through Friday: 8 a.m. to 5 p.m.
- Saturday: 9 a.m. to 12 p.m.
- Find a branch
Mountain America Credit Union
- Types of checks cashed for non-customers: All checks drawn on Mountain America Credit Union[21]
- Fees for non-customers: None[21]
- Requirements: Valid, government-issued photo ID[21]
- Typical hours of operation:
- Monday through Friday: 9 a.m. to 6 p.m.
- Saturday: 9 a.m. to 2 p.m. (drive-thru only)
- Find a branch
Navy Federal Credit Union
- Types of checks cashed for non-customers: All checks drawn on NFCU[22]
- Fees for non-customers: None[22]
- Requirements: Valid, government-issued photo ID[22]
- Typical hours of operation:
- Monday through Friday: 9 a.m. to 5 p.m.
- Saturday: 9 a.m. to 1:30 p.m.
- Find a branch
PenFed Credit Union
- Types of checks cashed for non-customers: Varies by location and amount; must be drawn on PenFed Credit Union[23]
- Fees for non-customers: None[23]
- Requirements: Valid, government-issued photo ID[23]
- Typical hours of operation:
- Monday through Friday: 9 a.m. to 5 p.m.
- Saturday: 9 a.m. to 1 p.m.
- Find a branch
PNC Bank
- Types of checks cashed for non-customers: All checks drawn on PNC Bank[24]
- Fees for non-customers: None if the check is $25 or less; 2% of the check amount (with a $2 minimum) for checks over $25[25]
- Requirements: Valid, government-issued photo ID[24]
- Typical hours of operation:
- Monday through Thursday: 9 a.m. to 5 p.m.
- Friday: 9 a.m. to 6 p.m.
- Saturday: 9 a.m. to 1 p.m.
- Find a branch
TD Bank
- Types of checks cashed for non-customers: Checks drawn on a TD Bank account[26]
- Fees for non-customers: $10 fee may be assessed[26]
- Requirements: Must present two forms of idea; one should be a government-issued photo ID.[26]
- Typical hours of operation:
- Monday through Friday: 8 a.m. to 6 p.m.
- Saturday: 9 a.m. to 1 p.m.
- Find a branch
U.S. Bank
Note: For more details, see our overview of the U.S. Bank check cashing policy.
- Types of checks cashed for non-customers: Any check drawn on U.S. Bank[27]
- Fees for non-customers: $7 per check[28]
- Requirements: Government-issued photo ID; some branches may require additional information.[29]
- Typical hours of operation:
- Monday through Friday: 9 a.m. to 5 p.m.
- Saturday: 9 a.m. to 1 p.m.
- Find a branch
Wells Fargo
Note: Find out more in our overview of Wells Fargo’s check cashing policy.
- Types of checks cashed for non-customers: Checks drawn on Wells Fargo up to $2,500[30]
- Fees for non-customers: Up to $7.50 per check[30]
- Requirements: Valid, government-issued photo ID[31]
- Typical hours of operation:
- Monday through Friday: 9 a.m. to 5 p.m. Monday through Friday
- Saturday: 9 a.m. to 1 p.m.
- Find a branch
