19 Banks That Cash Checks Even If You Don’t Have an Account

You have a check in hand that needs cashed, but you don’t have a checking account. Or, perhaps, you have a checking account but you can’t get to your own bank. Where do you turn? Do you need a bank account to cash a check? Nope. There are banks that will cash checks without an account as well as credit unions. So while many banks and credit unions will only cash checks for customers, there are also many that will cash checks for non-customers. Credit unions and banks that cash checks for almost anyone are pretty available.

We’ve broken down the list of banks and credit unions that cash checks for non-customers, including those that will cash most checks for non-customers and those that will only cash checks for non-customers if they’re drawn on their institution. Keep reading to find a bank or credit union that will turn your check into cash:

In This Article

Banks and Credit Unions That Cash Most Checks for Non-Customers

The following banks and credit unions will cash most types of checks for non-account holders. We’ve listed the fees, limits, and requirements for non-customers to cash a check at these banks, and called we called corporate customer service lines to confirm the accuracy of the information.

1. Bank of America

  • Types of checks cashed for non-customers: Any check drawn on Bank of America, plus most checks printed with magnetic ink (meaning not on a home printer), such as payroll, government, tax refund, and cashier’s checks.
  • Fees for non-account holders: $8 per check
  • Requirements: Two forms of ID, including one valid government issued, photo ID. Checks must be cashed at a full-service branch, not a drive-thru location.
  • Source: The Bank of America financial center FAQ page, confirmed with a call to corporate customer service
  • Typical hours of operation: 9 a.m. – 4 p.m. Monday through Thursday; 9 a.m. to 6 p.m. Friday; 9 a.m. – 1 p.m. Saturday
  • Find your nearest Bank of America branch

2. Chase Bank

  • Types of checks cashed for non-customers: Personal, payroll, government, tax refund, and cashier’s checks
  • Fees for non-account holders: $8 per check
  • Requirements: Valid government issued, photo ID
  • Source: Corporate customer service representative
  • Typical hours of operation: 8:30 a.m. – 6 p.m. Monday through Friday; 9 a.m. – 12 p.m. Saturday
  • Find your nearest Chase Bank branch

3. Citibank

  • Types of checks cashed for non-customers: All checks drawn on Citibank; non-Citibank checks may be cashed for non-customers at the bank’s discretion
  • Fees for non-account holders: Free for checks up to $5,000; varying fees for checks over $5,000
  • Requirements: Two forms of ID, including one valid photo ID
  • Source: Corporate customer service representative
  • Typical hours of operation: 8:30 a.m. – 6 p.m. Monday through Friday; 9 a.m. – 2 p.m. Saturday
  • Find your nearest Citibank branch

4. Fifth Third Bank

  • Types of checks cashed for non-customers: Personal, payroll, government, tax refund, and cashier’s checks
  • Fees for non-account holders: 1% of the total check amount; maximum $4
  • 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)
  • Source: Corporate customer service representative
  • Typical hours of operation: 9 a.m. – 5 p.m. Monday through Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 12 p.m. Saturday
  • Find your nearest Fifth Third Bank branch

5. HSBC

  • Types of checks cashed for non-customers: All checks drawn on HSBC; other checks typically cashed at the bank’s discretion, including payroll, government, tax refund, insurance, and corporate checks.
  • Fees for non-account holders: Free for HSBC personal checks; all other checks are $3 for amounts up to $100 and $5 for amounts of $100 or more.
  • Requirements: Two forms of ID, including one valid government issued, photo ID
  • Source: Corporate customer service representative
  • Typical hours of operation: 9 a.m. – 5 p.m. Monday through Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 1 p.m. Saturday
  • Find your nearest HSBC branch

6. KeyBank

  • Types of checks cashed for non-customers: Personal, payroll, government, tax refund
  • Fees for non-account holders: Varies by location
    • Regular KeyBank branches: $7 per check
    • KeyBank Plus Centers: 1.5% of the total check amount
  • Requirements: Valid government issued, photo ID
  • Source: The KeyBank Plus Check Cashing page of the KeyBank website, confirmed with a call to corporate customer service
  • Typical hours of operation: 9 a.m. – 5 p.m. Monday through Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. to 1 p.m. Saturday
  • Find your nearest KeyBank branch (Plus centers are available in CO, IN, ME, NY, OH, and OR.)

7. Regions Bank

  • Types of checks cashed for non-customers: Handwritten, payroll, government, insurance, tax refund, business, out-of-state, and two-party checks, and money orders.
  • Fees for non-account holders: 1% to 4% of total check amount, depending on check type; 5% of the total amount for money orders
  • Requirements: Must have a free Regions Now card (you can apply with the online application for a Regions Now card). Requirements for the card include email address, Social Security number, valid government issued, photo ID, and a funding source (checking account, debit card, or credit card)
  • Source: The Now Banking Check Cashing page of Regions Bank’s website, confirmed with a call to corporate customer service
  • Typical hours of operation: Lobby: 9 a.m. – 4:30 p.m. Monday through Thursday; 9 a.m. – 5 p.m. Friday. Drive-thru: 8:30 a.m. – 5 p.m. Monday through Thursday; 8:30 a.m. – 6 p.m. Friday; 9 a.m. – 12 p.m. Saturday
  • Find your nearest Regions Bank branch

 8. SunTrust Bank

  • Types of checks cashed for non-customers: Personal, payroll, government, business, insurance, tax refund, out-of-state, and third-party checks
  • Fees for non-account holders: Flat fee of $7 for cashing a SunTrust check; all other checks 1% to 3% of the total check amount
  • Requirements: Valid photo ID
  • Source: The Cash Checks Services page of the SunTrust Bank website, confirmed with a call to corporate customer service
  • Typical hours of operation: 9 a.m. – 5 p.m. Monday through Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 12 p.m. Saturday
  • Find your nearest SunTrust Bank branch

Banks and Credit Unions That Only Cash Their Own Checks for Non-Customers

The following banks and credit unions will only cash checks that originate from their institution for non-customers. We’ve provided the fees and requirements for non-customers cashing checks drawn on these banks, and the information was confirmed by corporate customer service representatives.

1. BB&T Bank

  • Types of checks cashed for non-customers: Personal and payroll checks drawn on BB&T
  • Fees for non-account holders: Free for checks $50 and under; $8 for checks over $50
  • Requirements: Valid government issued, photo ID
  • Source: Corporate customer service representative
  • Typical hours of operation: 9 a.m. – 5 p.m. Monday through Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 12 p.m. Saturday
  • Find your nearest BB&T Bank branch

2. BMO Harris Bank

  • Types of checks cashed for non-customers: Any check drawn on BMO Harris
  • Fees for non-account holders: Free for checks up to $50; $10 for checks over $50
  • Requirements: Valid government issued, photo ID
  • Source: Corporate customer service representative
  • Typical hours of operation: 9 a.m. – 5 p.m. Monday through Friday; 9 a.m. – 12 p.m. Saturday
  • Find your nearest BMO Harris Bank branch

3. Chartway Federal Credit Union

4. Connexus Credit Union

  • Types of checks cashed for non-customers: All checks drawn on Connexus
  • Fees for non-account holders: Free
  • Requirements: Valid government issued, photo ID
  • Source: Corporate customer service representative
  • Typical hours of operation: 8 AM – 5 p.m. Monday through Friday; 9 AM – 12 p.m. Saturday
  • Find your nearest Connexus Credit Union branch

5. Mountain America Credit Union

  • Types of checks cashed for non-customers: All checks drawn on Mountain America Credit Union
  • Fees for non-account holders: Free
  • Requirements: Valid government issued, photo ID
  • Source: Corporate customer service representative
  • Typical hours of operation: 9 a.m. – 6 p.m. Monday through Friday; 9 a.m. – 2 p.m. Saturday (drive-thru only)
  • Find your nearest Mountain America Credit Union branch

6. Navy Federal Credit Union

  • Types of checks cashed for non-customers: All checks drawn on NFCU
  • Fees for non-account holders: Free
  • Requirements: Valid government issued, photo ID
  • Source: Corporate customer service representative
  • Typical hours of operation: 9 a.m. – 5:30 p.m. Monday through Friday; 9 a.m. – 2 p.m. Saturday
  • Find your nearest Navy Federal Credit Union branch

7. PenFed Credit Union

  • Types of checks cashed for non-customers: All checks drawn on PenFed
  • Fees for non-account holders: Free
  • Requirements: Valid government issued, photo ID
  • Source: Corporate customer service representative
  • Typical hours of operation: 9 a.m. – 5 p.m. Monday through Friday; 9 a.m. – 1 p.m. Saturday
  • Find your nearest PenFed Credit Union branch

8. PNC Bank

  • Types of checks cashed for non-customers: All checks drawn on PNC Bank
  • Fees for non-account holders: Free
  • Requirements: Valid government issued, photo ID
  • Source: The PNC Bank Fee Schedule, confirmed with a call to corporate customer service
  • Typical hours of operation: 9 a.m. – 5 p.m. Monday through Thursday; 9 a.m. – 6 p.m. Friday; 9 a.m. – 1 p.m. Saturday
  • Find your nearest PNC Bank branch

9. TD Bank

  • Types of checks cashed for non-customers: All checks drawn on TD Bank
  • Fees for non-account holders: $7 per check
  • Requirements: Valid government issued, photo ID
  • Source: The TD Bank help center, confirmed with a call to corporate customer service
  • Typical hours of operation: 8 a.m. – 5 p.m. Monday through Wednesday; 8 a.m. – 6 p.m. Thursday and Friday; 9 a.m. – 1 p.m. Saturday
  • Find your nearest TD Bank branch

10. U.S. Bank

11. Wells Fargo

In Summary

If you need to cash a check at a bank or credit union where you’re not an account holder, you have some options available. You can head to the originating bank to cash it, or you can go to one of the banks that cash checks for non-customers. In most cases, be prepared to pay a small fee for this service. Don’t want to pay? See our article: These Are the Places That Offer Free Check Cashing: Kmart? BB&?, Citbank?…

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