19 Banks That Cash Checks Even If You Don’t Have an Account

Sonya Bateman headshot Sonya Bateman
Verified & Updated Nov 17, 2020

Some banks and credit unions will allow you to cash a check without having an account at that bank — or without having a bank account at all. Many banks and credit unions do restrict their check cashing services to account holders only, but there are options for non-customers. Below, we list the banks and credit unions that will let you cash a check without an account.

Note that you can’t cash any check at any bank. Even banks that allow non-customers to cash checks may restrict these transactions to certain check types or only cash checks that are drawn on accounts from that particular bank. We’ve divided our list below into banks that cash most check types and banks that will only cash checks drawn on their own accounts for non-customers.

Our list of banks and credit unions that cash checks for non-account holders is in alphabetical order so you can easily find information about the issuing bank of the check you need to cash, or a bank that you know is in your area. We compiled this list by checking each bank’s website for information about non-customer transactions and contacting their corporate customer service departments to confirm the details.

To avoid fees, see our list of places that offer free check cashing.

Comparison Table

See the table below for a quick comparison of which banks and credit unions cash checks for non-customers, as well as the fees associated with the service. You can click any bank or scroll for more information.

Bank/credit union Must checks be drawn on the bank? Fees
Bank of America No $8
Chase Bank No $8
Citibank No Free up to $5,000; variable otherwise
Fifth Third Bank No 1% ($4 maximum)
HSBC No Free for HSBC personal checks; $3 for checks up to $100, then $5
KeyBank No $7 (1.5% at KeyBank Plus locations)
Regions Bank No 1% to 4%
SunTrust Bank No $7 for SunTrust checks; 1% to 3% otherwise
BB&T Yes Free for checks under $50, then $8
BMO Harris Yes Free for checks under $50, then $10
Chartway Federal Credit Union Yes 2% or $3, whichever is greater
Connexus Credit Union Yes None
Mountain America Credit Union Yes None
Navy Federal Credit Union Yes None
PenFed Credit Union Yes None
PNC Bank Yes Free for checks up to $25, then $2
TD Bank Yes $10
U.S. Bank Yes $7
Wells Fargo Yes $7.50

Banks and Credit Unions That Cash Most Checks for Non-Customers

Bank of America

Note: Non-customers must cash checks at a full-service branch, not a drive-up location.

  • Types of checks cashed for non-customers:[1]
    • Any check drawn on Bank of America
    • Most checks printed with magnetic ink (meaning not on a home printer), such as payroll, government, tax refund, and cashier’s checks.
  • Fees for non-customers: $8 per check[1]
  • Requirements: Two forms of ID, including one valid, government-issued photo ID[1]
  • Typical hours of operation:
    • Monday through Thursday: 9 a.m. to 4 p.m.
    • Friday: 9 a.m. to 6 p.m.
    • Saturday: 9 a.m. to 1 p.m.
  • Find a branch

Chase Bank

  • Types of checks cashed for non-customers:[2]
    • Cashier’s checks
    • Government (including tax refunds)
    • Payroll
    • Personal
  • Fees for non-customers: $8 per check[2]
  • Requirements: Valid, government-issued photo ID[2]
  • Typical hours of operation:
    • Monday through Friday: 8:30 a.m. to 6 p.m.
    • Saturday: 9 a.m. to 12 p.m. Saturday
  • Find a branch

Citibank

  • Types of checks cashed for non-customers:[3]
    • All checks drawn on Citibank
    • Non-Citibank checks may be cashed for non-customers at the bank’s discretion.
  • Fees for non-customers: Free for checks up to $5,000; varying fees for checks over $5,000[3]
  • Requirements: Two forms of ID, including one valid photo ID[3]
  • Typical hours of operation:
    • Monday through Friday: 8:30 a.m. to 6 p.m.
    • Saturday: 9 a.m. to 2 p.m.
  • Find a branch

Fifth Third Bank

  • Types of checks cashed for non-customers:[4]
    • Cashier’s checks
    • Government (including tax refunds)
    • Payroll
    • Personal
  • Fees for non-customers: 1% of the total check amount; maximum $4[4]
  • Requirements: Must have two forms of ID, including one valid, government-issued photo ID (suggested second forms of ID are a debit or credit card)[4]
  • Typical hours of operation:
    • Monday through Thursday: 9 a.m. to 5 p.m.
    • Friday: 9 a.m. to 6 p.m.
    • Saturday: 9 a.m. to 12 p.m.
  • Find a branch

HSBC

  • Types of checks cashed for non-customers:[5]
    • All checks drawn on HSBC
    • Other checks may be cashed at the branch’s discretion, including payroll, government/tax refund, insurance, and corporate checks
  • Fees for non-customers: Free for HSBC personal checks; otherwise, $3 for amounts up to $100 and $5 for amounts of $100 or more[5]
  • Requirements: Two forms of ID, including one valid, government-issued photo ID[5]
  • Typical hours of operation:
    • Monday through Thursday: 9 a.m. to 5 p.m.
    • Friday: 9 a.m. to 6 p.m.
    • Saturday: 9 a.m. to 1 p.m.
  • Find a branch

KeyBank

  • Types of checks cashed for non-customers:[6]
    • Government (including tax refunds)
    • Payroll
    • Personal
  • Fees for non-customers: $7 per check at regular KeyBank branches and 1.5% of the check amount at KeyBank Plus locations[6]
  • Requirements: Valid, government-issued photo ID[6]
  • Typical hours of operation:
    • Monday through Thursday: 9 a.m. to 5 p.m.
    • Friday: 9 a.m. to 6 p.m.
    • Saturday: 9 a.m. to 1 p.m.
  • Find a branch

Regions Bank

  • Types of checks cashed for non-customers:[7]
    • Government (including tax refunds)
    • Handwritten
    • Insurance
    • Out-of-state checks
    • Money orders
    • Payroll
    • Two-party
  • Fees for non-customers: 1% to 4% of the total check amount, depending on check type; 5% of the total amount for money orders[7]
  • Requirements: Must have a free Regions Now prepaid card, which does not require a Regions Bank account; to apply, you must provide your email address, Social Security number, a photo ID, and a funding source (checking account, debit card, or credit card)[7]
  • Typical hours of operation:
    • Monday through Thursday: 9 a.m. to 4:30 p.m.
    • Friday: 9 a.m. to 5 p.m.
    • Saturday: 9 a.m. to 12 p.m. (drive-thru only)
  • Find a branch

SunTrust Bank (Now Truist)

  • Types of checks cashed for non-customers:[8]
    • Business
    • Government (including tax refunds)
    • Insurance
    • Out-of-state checks
    • Payroll
    • Personal
    • Third-party
  • Fees for non-customers: $7 flat fee for SunTrust checks; otherwise, 1% to 3% of the check amount[8]
  • Requirements: Valid, government-issued photo ID[8]
  • Typical hours of operation:
    • Monday through Thursday: 9 a.m. to 5 p.m.
    • Friday: 9 a.m. to 6 p.m.
    • Saturday: 9 a.m. to 12 p.m.
  • Find a branch

Banks and Credit Unions That Cash Their Own Checks for Non-Customers

BB&T (Now Truist)

  • Types of checks cashed for non-customers: Personal and payroll checks drawn on BB&T[9]
  • Fees for non-customers: Free for checks $50 and under; $8 for checks over $50[9]
  • Requirements: Valid, government-issued photo ID[9]
  • Typical hours of operation:
    • Monday through Thursday: 9 a.m. to 5 p.m.
    • Friday: 9 a.m. to 6 p.m.
    • Saturday: 9 a.m. to 12 p.m.
  • Find a branch

BMO Harris

  • Types of checks cashed for non-customers: Any check drawn on BMO Harris[10]
  • Fees for non-customers: Free for checks up to $50; $10 for checks over $50[10]
  • Requirements: Valid, government-issued photo ID[10]
  • Typical hours of operation:
    • Monday through Friday: 9 a.m. to 5 p.m.
    • Saturday: 9 a.m. to 12 p.m.
  • Find a branch

Chartway Federal Credit Union

  • Types of checks cashed for non-customers: All checks drawn on Chartway, except those made payable to a business[11]
  • Fees for non-customers: 2% of the total check amount or $3, whichever is greater[11]
  • Requirements: Valid, government-issued photo ID[11]
  • Typical hours of operation:
    • Monday through Thursday: 9 a.m. to 5:30 p.m.
    • Friday: 9 a.m. to 6 p.m.
    • Saturday: 9 a.m. to 1 p.m.
  • Find a branch

Connexus Credit Union

  • Types of checks cashed for non-customers: All checks drawn on Connexus[12]
  • Fees for non-customers: Free[12]
  • Requirements: Valid, government-issued photo ID[12]
  • Typical hours of operation:
    • Monday through Friday: 8 a.m. to 5 p.m.
    • Saturday: 9 a.m. to 12 p.m.
  • Find a branch

Mountain America Credit Union

  • Types of checks cashed for non-customers: All checks drawn on Mountain America Credit Union[13]
  • Fees for non-customers: Free[13]
  • Requirements: Valid, government-issued photo ID[13]
  • Typical hours of operation:
    • Monday through Friday: 9 a.m. to 6 p.m.
    • Saturday: 9 a.m. to 2 p.m. (drive-thru only)
  • Find a branch
  • Types of checks cashed for non-customers: All checks drawn on NFCU[14]
  • Fees for non-customers: Free[14]
  • Requirements: Valid, government-issued photo ID[14]
  • Typical hours of operation:
    • Monday through Friday: 9 a.m. to 5:30 p.m.
    • Saturday: 9 a.m. to 2 p.m.
  • Find a branch

PenFed Credit Union

  • Types of checks cashed for non-customers: All checks drawn on PenFed[15]
  • Fees for non-customers: Free[15]
  • Requirements: Valid, government-issued photo ID[15]
  • Typical hours of operation:
    • Monday through Friday: 9 a.m. to 5 p.m.
    • Saturday: 9 a.m. to 1 p.m.
  • Find a branch

PNC Bank

  • Types of checks cashed for non-customers: All checks drawn on PNC Bank[16]
  • Fees for non-customers: Free if the check is $25 or less; 2% of the check amount (with a $2 minimum) for checks over $25[16]
  • Requirements: Valid, government-issued photo ID[16]
  • Typical hours of operation:
    • Monday through Thursday: 9 a.m. to 5 p.m.
    • Friday: 9 a.m. to 6 p.m.
    • Saturday: 9 a.m. to 1 p.m.
  • Find a branch

TD Bank

  • Types of checks cashed for non-customers: All checks drawn on TD Bank[17]
  • Fees for non-customers: $10 per check[17]
  • Requirements: Valid, government-issued photo ID[17]
  • Typical hours of operation:
    • Monday through Wednesday: 8 a.m. to 5 p.m.
    • Thursday and Friday: 8 a.m. to 6 p.m.
    • Saturday: 9 a.m. to 1 p.m.
  • Find a branch

U.S. Bank

Note: For more details, see our overview of the U.S. Bank check cashing policy.

  • Types of checks cashed for non-customers: Any check drawn on US Bank
  • Fees for non-customers: $7 per check
  • Requirements: Valid, government-issued photo ID; if the check is over $500, you may need to provide your Social Security number.
  • Typical hours of operation:
    • Monday through Friday: 9 a.m. to 5 p.m.
  • Find a branch

Wells Fargo

Note: Find out more in our overview of Wells Fargo’s check cashing policy.

  • Types of checks cashed for non-customers: Any check drawn on Wells Fargo[18]
  • Fees for non-customers: Up to $7.50 per check[18]
  • Requirements: Valid, government-issued photo ID[18]
  • Typical hours of operation:
    • Monday through Friday: 9 a.m. to 5 p.m. Monday through Friday
    • Saturday: 9 a.m. to 1 p.m.
  • Find a branch
  1. Bank of America customer service (800) 432-1000[↩][↩][↩]
  2. Chase customer service (800) 935-9935[↩][↩][↩]
  3. Citibank customer service (800) 374-9700[↩][↩][↩]
  4. Fifth Third Bank customer service (800) 972-3030[↩][↩][↩]
  5. HSBC customer service (800) 975-4722[↩][↩][↩]
  6. KeyBank customer service (800) 539-2968[↩][↩][↩]
  7. Regions Bank customer service (800) 734-4667[↩][↩][↩]
  8. SunTrust customer service (800) 786-8787[↩][↩][↩]
  9. BB&T customer service (800) 226-5228[↩][↩][↩]
  10. BMO Harris customer service (888) 340-2265[↩][↩][↩]
  11. Chartway customer service (800) 678-8765[↩][↩][↩]
  12. Connexus customer service (800) 845-5052[↩][↩][↩]
  13. Mountain America customer service (800) 748-4302[↩][↩][↩]
  14. Navy Federal customer service (888) 842-6328[↩][↩][↩]
  15. PenFed customer service (800) 247-5626[↩][↩][↩]
  16. PNC customer service (888) 762-2265[↩][↩][↩]
  17. TD Bank customer service (888) 751-9000[↩][↩][↩]
  18. Wells Fargo customer service (800) 869-3557[↩][↩][↩]
See more content about Check Cashing

This Season