U.S. Bank Check Cashing Policy Explained (Customers & Non-Customers)

Short Answer — U.S. Bank will cash all types of checks for customers, including third-party and cashier’s checks. U.S. Bank account holders can cash checks for free; however, non-customers can only cash checks drawn on U.S. Bank, and there is a $7 fee for the service.

U.S. Bank Check Cashing Policy

U.S. Bank customers can cash any type of check at a branch location for free, including personal, payroll, government, third-party, and cashier’s checks.^[1] You may be required to provide a valid ID to cash your check.

As a U.S. Bank customer, you also have the option to deposit some check types at U.S. Bank ATMs or through mobile banking using a smartphone.

Typically, when you make an ATM or mobile check deposit with U.S. Bank, the first $225 is available immediately, and the remaining amount of the check will be available the next business day when deposits are made before 9 p.m. CST.^[1][2]

However, it’s important to note that you can’t deposit the following check types at ATMs or with U.S. Bank mobile banking:^[3][4]

• Third-party checks
• Foreign checks
• Altered checks
• U.S. Treasury checks, including tax return checks
• Substitute checks
• Checks drawn on your own personal U.S. Bank account

Non-Customers

If you don’t have an account with U.S. Bank, the company will only cash checks that are drawn on U.S. Bank. Non-customers must present a valid form of ID to cash checks at a U.S. Bank branch.

There is a fee of $7 per check for all checks over $50 cashed by non-account holders.^[5]

As long as the check is drawn on U.S. Bank and the funds are available, most branches will cash a check of any size, and there are no additional fees for checks of larger amounts.

However, branches can set limits at their own discretion, and they negotiate checks for non-customers on a case-by-case basis. You may want to call your local branch to verify that it has no amount limit before visiting.^[5]