If you need to cash a check at Wells Fargo, you’re in luck. With more than 8,500 full-service locations worldwide, there’s likely a Wells Fargo near you. We’ve detailed Wells Fargo’s check cashing policy for account holders and non-account holders alike, so you’ll know exactly what you need to do to turn your check into cash.
Keep reading for a primer on what to expect when you cash a check at Wells Fargo.
The Wells Fargo Check Cashing Policy for Account Holders
Well’s Fargo’s check cashing policy allows account holders to cash checks at any Wells Fargo banking location. Bring your check and a valid government-issued, photo ID (driver’s license, passport, etc.) with you to the bank.
When you visit your Wells Fargo local branch, you’ll need to endorse your check (by signing the back and writing your account number below) and show your ID to the teller.
According to the Wells Fargo Consumer Agreement, account holders can cash any type of check — cashiers checks, personal checks, business checks, insurance checks, etc.
Wells Fargo does reserve the right to require that you deposit all or part of a check not drawn on a Wells Fargo account rather than cash it. This may be due to a lack of funds in your bank account to cover the cost of the check or because the teller views the check as “suspicious.” There isn’t a set criteria for what makes a check suspicious — the teller decides on a case-by-case basis.
Check Fees and Limits
According to Wells Fargo customer service, there’s no fee for account holders to cash checks. The limit for cashing a check is $10,000, or the amount of money in your Wells Fargo account, whichever is lower.
However, check cashing limits may vary from branch to branch. Some branches keep less cash on hand, so they may set lower check cashing limits. Contact your Wells Fargo branch to learn more about their check cashing limit.
The Wells Fargo Check Cashing Policy for Non-Account Holders
Wells Fargo’s check cashing policy limits non-account holders to cashing only checks drawn on a Wells Fargo account.
As a non-account holder you’ll need to show a government issued, photo ID to cash a check at Wells Fargo. You may also be required to show a second form of ID, which can be anything with your name on it, such as a credit or debit card.
Check Fees and Limits
Unlike account holders, non-account holders may have to pay a fee for check cashing. According to a Wells Fargo representative, there’s no fee to cash a personal check or cashier’s check, and a $7.50 fee to cash business checks and payroll checks. To pay the fee, you can simply have the fee amount deducted from the check amount.
The check cashing limit for non-account holders is $2,500, but individual branches have authority to set lower limits.
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Wells Fargo account holders can cash checks up to $10,000 at any one of Wells Fargo’s 8,500+ locations without incurring any fee. Non-account holders may also cash a check at Wells Fargo, provided the check is drawn on a Wells Fargo account. It is free for non-account holders to cash a personal or cashier’s check and $7.50 to cash a business or payroll check.