Chase Bank is one of the largest banks in the United States, with more than 5,100 branches and 16,000 ATMs across the country. If you need to cash a check, you’re likely located near a Chase branch. Like every bank, Chase has certain policies and fees regarding check cashing. Keep reading to find out what you need to know about Chase Bank check cashing policies for both account holders and non-customers. It’s the Chase Bank check cashing policy in plain language. (Note: The following information was verified through the Chase website or by contacting a Chase customer service representative.)
What Type of Checks Does Chase Cash?
Chase Bank will cash just about any type of check, including payroll checks, personal checks, government checks, tax checks, and cashier’s checks for customers. For non-customers, Chase will only cash checks drawn on a Chase account.
What Do You Need to Cash a Check at Chase?
If you are a Chase Bank customer, you’ll need your bank account number and enough money in your account to cover the cost of the check being cashed. However, if the check being cashed is drawn on a Chase bank account, you won’t need to worry about having enough in your account to cover the cost of the 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.
For non-Chase Bank 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.
How Do You Cash a Check at Chase?
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.
Does Chase Charge a Fee to Cash a Check?
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, you’ll need to pay $16 in fees. The fee may be waived for certain types of checks, including insurance checks.
Is There a Limit to the Number of Checks You Can Cash at Chase in a Day/Week/Month?
Yes and here’s the Chase check cashing limit. Chase Bank does not generally limit the number of checks you can cash. However, keep in mind that non-customers must pay a fee of $8 for each individual check being cashed at the bank.
Is There a Limit to the Size of a Check You Can Cash at Chase?
If you are an account holder at Chase Bank, the amount you can cash a check for is limited to the amount of funds in your checking account, unless the check is drawn on a Chase account. If you don’t have enough to cover the cost of the check in your account, you will need to deposit part or all of the check amount and wait for it to clear. 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.
For non-customers, there is no specific, companywide limit for the size of a check you can cash. However, it is a good idea to call the branch before visiting to be sure it can cash your check. You will need two forms of identification for checks over $500, and for amounts over $10,000, you will need to fill out government-required paperwork in order to cash the check.
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.
When Can You Cash a Check at Chase?
You can cash a check any time during regular business hours. In general, Chase Bank branch offices are open from 9:00 a.m. to 6:00 p.m., Monday through Friday. Most locations are also open from 9:00 a.m. to 1:00 p.m. on Saturdays. Chase Bank branches are typically closed on Sundays and federal holidays.
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 by taking a picture of the check and following the instructions in the QuickDeposit app. You can also deposit a check through a Chase ATM. Find your nearest Chase ATM using the Chase ATM locator.
Keep in mind that hours of operation can vary by location, so it’s always best to verify the hours of your neighborhood Chase Bank before heading out to cash your check.
Is the Chase check cashing policy not to your liking? Here’s our list of the banks that cash checks for customers and non-customers alike (policies included).
Cashing a check at a Chase Bank is a relatively straightforward process. If you are a Chase account holder, you can easily cash checks, provided you have enough money in your account to cover the amount of the check. If you’re a non-customer, you can only cash checks that are drawn on a Chase account, and you’ll need to pay an $8 fee and bring one or more forms of ID with you. We hope this article helps you decide whether you can cash your check at a Chase Bank, and what you’ll need to get it done.