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 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 the service. See below for more details on U.S. Bank’s check cashing policies.

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.[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:[2][3]

  • 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

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.[1] 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 to cash checks over $500. There is a fee of $7 per check for all checks over $50 cashed by non-account holders.[1]

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.[1] 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.

More Information

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 that cash checks without a bank account, including hard-to-cash checks like cashier’s checks and third-party checks.

2 comments

  • Michael K Dolan says:

    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?

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      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.