Chase Bank is one of the largest banks in the U.S. and, like every bank, Chase has certain policies and fees regarding check cashing. Below, we have more on Chase Bank’s check cashing policies, including information about accepted check types, limits, fees, and requirements.
Chase Bank Check Cashing Policy
Chase Bank will cash just about any type of check, including payroll checks, personal checks, government checks, tax refund checks, and cashier’s checks for customers. For non-customers, Chase will only cash checks drawn on a Chase account.
If you are a Chase Bank customer, you’ll just need your bank account number to cash your check. Typically, you will not need to show identification as an account holder, though it’s a good idea to have a form of ID with you in case the bank needs to verify your identity.
For non-customers, you will need a photo ID, such as a state driver’s license, passport, or other government-issued ID to cash checks. For checks over $500, you will need a second form of ID, such as a credit card, debit card, or Social Security card. In some cases, Chase Bank may also require verification of your address, such as a utility bill in your name.
Chase Bank does not charge a check cashing fee to its customers. For non-customers, the fee is $8 for each cashed check. For example, if you are cashing two checks as a non-customer, you’ll need to pay $16 in fees. The fee may be waived for certain types of checks, including insurance checks.
Chase Bank does not generally limit the number of checks you can cash at any given time. However, keep in mind that non-customers must pay a fee of $8 for each individual check being cashed at the bank.
If you are an account holder at Chase Bank, there is no specific, companywide limit for the size of a check you can cash, but individual branches may set limits. However, it is a good idea to call the branch before visiting to be sure it can cash your check. You may be limited to the amount currently available in your checking account, so the bank can recover the funds if the check bounces.
Keep in mind that for checks over $10,000, you will need to fill out government-required paperwork, and the bank will need to report it to the IRS. For non-customers, as mentioned above, you will need two forms of ID to cash a check over $500.
If you’re depositing the check, Chase Bank typically makes at least $200 of a deposit available by the next business day, and the remaining amount available when the check has cleared with the issuing bank. Note that if you are a non-customer cashing a check drawn on a Chase account, the payer’s account must have sufficient funds in order for the check to be cashed.
You can cash checks at a Chase Bank by either going inside the bank branch or by using the drive-through transaction lanes, if available. To cash a check in a Chase lobby or drive-through, you’ll need to sign the back of the check on the top line (for business printed checks) or the only line (for personal checks).
If you are a Chase Bank customer, you can also write your account number on the line or space below where you’ve signed your name. This will help the bank teller process your transaction faster.
Then, simply present your check and identification to the bank teller at the counter or drive-through and request to have it cashed.
Check Cashing Hours
You can cash a check at Chase Bank any time during regular business hours. In general, Chase Bank branches are open from 9 a.m. to 6 p.m., Monday through Friday. Most locations are also open from 9 a.m. to 1 p.m. on Saturdays. Chase Bank branches are typically closed on Sundays and federal holidays.
You can also deposit a check through a Chase ATM — find your nearest ATM using the Chase ATM locator.
Keep in mind that hours of operation can vary by location, so it’s best to call ahead verify the hours at your local branch before making the trip.
If you’re a Chase Bank customer and you have an Apple or Android device, you can also deposit a check remotely into your account with Chase QuickDeposit. Simply take a picture of the check and follow the instructions in the QuickDeposit app.
Is the Chase check cashing policy not to your liking? We also list the banks that cash checks for customers and non-customers alike (policies included).
- Chase Bank customer service (800) 935-9935