U.S. Bank Check Cashing Policy Explained

U.S. Bank will cash all types of checks for customers, including third-party and cashier’s checks. U.S. Bank customers can cash checks for free; however, non-customers can only cash checks drawn on U.S. Bank, and there is a $7 fee for this service. Below, we have all the details on the U.S. Bank check cashing policy.

U.S. Bank Check Cashing Policy

Customers of U.S. Bank can cash any type of check at a branch location for free, including personal, payroll, government, third-party, and cashier’s checks. Customers also have the option to deposit some check types at U.S. Bank ATMs or through mobile banking using a cell phone.

Typically, ATM and mobile check deposits at U.S. Bank make $200 available immediately, and the remaining amount of the check available the next business day, according to the U.S. Bank website and customer service representatives we contacted at branch locations in Minnesota, Oregon, and Wyoming. However, it is important to note that the following check types can’t be deposited at ATMs or with U.S. Bank mobile banking:

  • Third-party checks
  • Checks drawn on banks outside the United States
  • Checks that are not payable in U.S. dollars
  • Altered checks or those that contain erasures
  • U.S. Treasury checks, including tax return checks
  • Previously returned checks
  • Checks drawn on your own personal U.S. Bank account
  • Any check more than 180 days old

Can Non-Customers Cash Checks at U.S. Bank?

If you don’t have an account with U.S. Bank, the company will only cash checks that are drawn on U.S. Bank, according to the representatives we spoke with at various branch locations. Non-customers must present a valid form of ID to cash checks at a U.S. Bank branch. Additionally, you will need to give your Social Security number in order to cash checks over $500. There is a fee of $7 per check for all checks over $50 cashed by non-account holders.

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.

In Summary

Customers of U.S. Bank can cash any type of check at a branch location with no fee, and many types of checks can be deposited into your account at ATMs or through mobile banking. Non-customers can only cash checks drawn on U.S. Bank with a valid ID and must pay a fee of $7 per check.

Want more information on check cashing? Be sure to check out our articles on Wells Fargo’s check cashing policies and the check cashing policies at Chase Bank. Need to cash a check, but don’t have a bank account? See our list of places to go to cash checks without a bank account, including hard-to-cash checks like cashier’s checks and third-party checks.

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2 comments

  • 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?

    • 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.