Chase Bank Check Cashing Policy: Limits, Fees, etc Detailed

Chase Bank is one of the largest banks in the U.S. and, like every bank, Chase has certain rules and fees regarding check cashing.

Whether you want to cash a check drawn on Chase Bank or are a Chase account holder unfamiliar with the policy, it's nice to know the fees, restrictions, and other details before cashing your check.

Chase logo sign on the exterior of a Chase Bank branch

Chase Bank will cash most check types; however, if you don’t have a Chase account, you can only cash a check drawn on Chase Bank or J.P. Morgan, and you may pay a $10 fee.[1][2]

Below, I explain the details of Chase Bank’s check cashing policy, including the 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, as long as it’s not drawn on a non-U.S. bank or in a foreign currency.[3]

For non-customers, Chase will generally only cash checks drawn on Chase Bank or J.P. Morgan.[1][2]

If you have a check drawn on another bank, you may be interested in the list of banks that cash checks without an account


Whether you bank with Chase or not, you’ll generally need to show a photo ID, such as a state driver’s license, passport, or other government-issued ID, to cash checks.[3][2]

Chase Bank representatives recommend non-members bring two forms of ID, especially for larger checks, just in case the branch you visit requires it.[1]


Chase Bank does not charge a check cashing fee to its customers.[2]

For non-customers, the fee is $10 for each cashed check of more than $50. Checks less than $50 are free to cash.[1][2]


Account Holders

If you’re an account holder at Chase Bank, there is no specific, companywide limit for the size or number of checks you can cash, but individual branches may set limits.[2]

It’s a good idea to call the branch before visiting if you have multiple checks or checks with large amounts.[2]

Chase Bank may limit what you can cash to the amount currently available in your checking account so it can recover the funds if the check bounces.[3]


Chase Bank does not generally limit the number of checks you can cash at any given time without an account.[2]

However, keep in mind that non-customers must pay a fee for each individual check they cash.[2] If you have multiple checks to cash, the fees can add up quickly.

Check size limits may vary by check type and which location you visit.[2]

Note that the payer’s account must have sufficient funds for Chase Bank to cash the check.[2]


You can cash checks at a Chase Bank by either going inside the branch or by using the drive-through transaction lanes, if available.[2]

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).[2]

If you’re 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.[2]

Then, simply present your check and identification to the bank teller and request to have it cashed.[2]

Note that for checks over $10,000, you’ll need to fill out government-required paperwork, and the bank will need to report it to the IRS.[4]

Check Cashing Hours

You can cash a check at Chase Bank any time during regular business hours.[2]

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.[5]

Chase Bank branches are typically closed on Sundays and federal holidays.[5]

Since hours of operation can vary by location, it’s best to call ahead or check online to verify the hours at your local branch before making the trip.


If you’re a Chase Bank customer, you can deposit a check remotely using your cell phone with Chase QuickDeposit. Simply take a picture of the check and follow the instructions in the QuickDeposit app.[6]

Funds generally become available soon after you make a mobile deposit. However, it may take several business days.[7]

Members can also deposit a check through a Chase ATM — find your nearest ATM using the Chase ATM locator.[2]

Tip: If you have an account at a different financial institution (such as Bank of America or Wells Fargo), you can generally cash checks at your bank or credit union without fees.[8][9][10]


Can a non-customer cash a check drawn on Chase Bank at a Chase ATM?

No, you must have an account with Chase Bank to cash a check at a Chase ATM.[1]

Can you cash a check at Chase Bank if your account is overdrawn?

No, you cannot cash a check at Chase Bank if your Chase account is overdrawn. You would have to deposit the check, then withdraw cash once you have a positive balance.[1]

When do funds become available for deposited checks at Chase Bank?

U.S. law requires Chase Bank to make a minimum of $225 available on the following business day; government checks, checks drawn on Chase Bank, certified checks, and cashier’s checks are also typically available on the following business day. Aside from that, availability times vary by check type.[11]

In Summary

Chase Bank customers and non-customers will generally need to present a valid ID to cash a check at Chase.[3][2]

Non-customers can only cash checks drawn on Chase or J.P. Morgan, and Chase Bank will charge a $10 fee for each check above $50.[1][2]

You can cash your check by taking your it into your local Chase Bank branch, using its drive-through service, or (for members) through ATM or mobile deposit; limits and availability times may vary.[1][2]

You’re welcome to share any questions, thoughts, or experiences with cashing checks at Chase Bank in a comment below.

  1. Chase Bank customer service via Facebook chat[][][][][][][][]
  2. Chase Bank branch customer service representatives[][][][][][][][][][][][][][][][][][][][]
  9. Bank of America customer service via Facebook chat[]
  10. Wells Fargo branch customer service representatives[]


  • Nakeetah Flemings

    I been a loyal customer for 11 years with chase bank and not once have I ever had to endure what I’m going through while it’s around Christmas time. Can chase release your funds to you from a check from a company and take the money back leaving your account into a negative balance? Is there no solution to how I can get my money I work so hard to earn in my bank account?

    • First Quarter Finance logo
      First Quarter Finance | Lindsey Desmet

      Hi, Nakeetah. I’m sorry to hear that you’re dealing with this! It is possible (and legal) for banks to do this if the check was fraudulent or the account it was written from had insufficient funds. You’ll need to contact Chase directly to see if anything can be done. You can reach its customer service team for personal banking at (800) 935-9935. I hope you’re able to get this resolved soon! Best of luck.

  • Monica

    I do not have an account; however, I have cashed checks over $10,000 from 401k there. My husband received a settlement check drafted from Chase bank and was told it was over the limit. Is this true or do different locations have different rules?

    • First Quarter Finance logo
      First Quarter Finance | Lindsey Desmet

      Monica, we’re sorry to hear about your difficulties! We contacted Chase’s corporate customer service department and were told that there is no set limit that applies to all locations, but that branches sometimes set limits for non-customers at their own discretion. It is a good idea to call the branch before visiting to verify that they will cash the check; your husband may want to try calling a few branches in your area other than the one he already visited. Chase may also deny the transaction if the account that the check is drawn on does not have sufficient funds. We have updated our article to reflect this information.

  • Bill

    I am a General Contractor:
    The Chase Bank (and a few others) charge you $8.00 to cash their member’s personal checks. Their explanation, ‘you are not a member of our bank’. This is a “PREDATORY FEE”, and the Bank know that! Every Manager I have talked to tell me that the cost to process that check is the same weather I was a member or not. They are penalizing you for not being a member of their bank, ‘which is stupid”, the person who wrote the check is also ‘not a member of your bank’, but chose to hand you a check! My bank does not charge a check cashing fee, and I am not paying a check cashing fee to Chase or anyone else!

    DON’T PAY THE FEE! When their member hand you a check add $8.00 to cover their check cashing fee! Do not pay the fee! It cost Chas the same to process that check whether you are a member or not! As one of my customers, ‘that’s stupid!, ‘I did not know my bank was doing that, I am not going to pay Chase $3.00 to obtain the check, then pay $8.00 every time I write one’. SHE MOVED HER ACCOUNT TO ANOTHER BANK! If enough of their member complain about paying the fee, maybe these predators will come to their senses.
    I have 25 customers with Chase accounts. If they choose to write me a check I add $8.00 to their invoice to cover their Chase check cashing fee. I am not paying for their members to maintain a Chase checking account! Chase cash more than 20,0000 checks yearly …..that’s $160,000.00 a year that we are paying for their members to maintain their Chase checking account. ‘WHO DO CHASE THINK THEY ARE? THE IRS! SEND THE FEE BACK TO THEIR CUSTOMER….. DON’T PAY IT!….LET THEIR CUSTOMER DEAL WITH IT!

    • First Quarter Finance logo
      First Quarter Finance | Laura Bachmann

      Hi Bill,

      Thanks for your comments and sharing your approach for avoid this Chase fee. Sounds like a good idea for someone in your position!

  • Allison

    Is the $8 Check cashing fee for non-members a flat fee?

    • First Quarter Finance logo
      First Quarter Finance | Laura Bachmann

      Hi Allison,

      That’s correct, its a flat fee, charged per check. It’s not related to the check amount.

      • Allison Wallace

        Thank you! I was looking for the best deal.

        I cashed a check from State Farm at Chase today and they actually didn’t charge me because it was from the insurance company.

        • First Quarter Finance logo
          First Quarter Finance | Laura Bachmann

          Happy to help! 🙂

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