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

exterior Chase Bank sign

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.[1][2]


If you’re a Chase Bank customer, you’ll just need your bank account number to cash your check. Typically, you won’t 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.[3]

For non-customers, you’ll need a photo ID, such as a state driver’s license, passport, or other government-issued ID to cash checks. Chase Bank representatives recommend bringing two forms of ID, just in case the branch you visit requires it.[2]


Chase Bank does not charge a check cashing fee to its customers. For non-customers, the fee is $10 for each cashed check of more than $50. Checks less than $50 are free to cash.[2] For example, if you’re cashing two checks that are greater than $50 each as a non-customer, you’ll need to pay $20 in fees.


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 $10 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.[4] For non-customers, as mentioned above, you will need one or two forms of ID to cash a check.

If you’re depositing the check, Chase Bank typically makes checks that aren’t drawn on a Chase Bank available the following business day when the check has cleared with the issuing bank.[2] 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.[5]

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 to verify the hours at your local branch before making the trip.

Mobile Deposit

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).


  • 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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