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

A U.S. Bank sign

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


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]


  • Michael K Dolan

    I wrote a personal check for $50.00 for a donation for a funeral, and it still hasn’t been cashed from three months ago! Does that check have an expiration date?

    • First Quarter Finance logo
      First Quarter Finance | Lindsey Desmet

      Hello, Michael! Good question! Personal checks are valid for six months (about 180 days). If someone tries to cash the check after six months have passed, your bank can legally refuse the payment under protections of the Uniform Commercial Code. If the person you wrote the check to has not yet cashed it, you may want to contact them to be sure they haven’t lost the check, and to ask when they plan to cash it.

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