Sonya BatemanChase Bank is one of the largest banks in the U.S. and, like every bank, Chase has certain policies and fees regarding check cashing. Below, we have more on Chase Bank’s check cashing policies, including information about accepted check types, limits, fees, and requirements.
Table of Contents
Chase Bank Check Cashing Policy
Chase Bank will cash just about any type of check, including payroll checks, personal checks, government checks, tax refund checks, and cashier’s checks for customers. For non-customers, Chase will only cash checks drawn on a Chase account.[1]
Requirements
If you are a Chase Bank customer, you’ll just need your bank account number to cash your check. Typically, you will not need to show identification as an account holder, though it’s a good idea to have a form of ID with you in case the bank needs to verify your identity.[2]
For non-customers, you will need a photo ID, such as a state driver’s license, passport, or other government-issued ID to cash checks. For checks over $500, you will need a second form of ID, such as a credit card, debit card, or Social Security card. In some cases, Chase Bank may also require verification of your address, such as a utility bill in your name.[2]
Fees
Chase Bank does not charge a check cashing fee to its customers. For non-customers, the fee is $8 for each cashed check.[3] For example, if you are cashing two checks as a non-customer, you’ll need to pay $16 in fees. The fee may be waived for certain types of checks, including insurance checks.[2]
Limits
Chase Bank does not generally limit the number of checks you can cash at any given time. However, keep in mind that non-customers must pay a fee of $8 for each individual check being cashed at the bank.
If you are an account holder at Chase Bank, there is no specific, companywide limit for the size of a check you can cash, but individual branches may set limits. However, it is a good idea to call the branch before visiting to be sure it can cash your check. You may be limited to the amount currently available in your checking account, so the bank can recover the funds if the check bounces.
Keep in mind that for checks over $10,000, you will need to fill out government-required paperwork, and the bank will need to report it to the IRS.[4] For non-customers, as mentioned above, you will need two forms of ID to cash a check over $500.
If you’re depositing the check, Chase Bank typically makes at least $200 of a deposit available by the next business day, and the remaining amount available when the check has cleared with the issuing bank.[2] Note that if you are a non-customer cashing a check drawn on a Chase account, the payer’s account must have sufficient funds in order for the check to be cashed.
Process
You can cash checks at a Chase Bank by either going inside the bank branch or by using the drive-through transaction lanes, if available. To cash a check in a Chase lobby or drive-through, you’ll need to sign the back of the check on the top line (for business printed checks) or the only line (for personal checks).
If you are a Chase Bank customer, you can also write your account number on the line or space below where you’ve signed your name. This will help the bank teller process your transaction faster.
Then, simply present your check and identification to the bank teller at the counter or drive-through and request to have it cashed.
Check Cashing Hours
You can cash a check at Chase Bank any time during regular business hours. In general, Chase Bank branches are open from 9 a.m. to 6 p.m., Monday through Friday. Most locations are also open from 9 a.m. to 1 p.m. on Saturdays. Chase Bank branches are typically closed on Sundays and federal holidays.[5]
You can also deposit a check through a Chase ATM — find your nearest ATM using the Chase ATM locator.
Keep in mind that hours of operation can vary by location, so it’s best to call ahead verify the hours at your local branch before making the trip.
Mobile Deposit
If you’re a Chase Bank customer and you have an Apple or Android device, you can also deposit a check remotely into your account with Chase QuickDeposit. Simply take a picture of the check and follow the instructions in the QuickDeposit app.
Is the Chase check cashing policy not to your liking? We also list the banks that cash checks for customers and non-customers alike (policies included).
Maria R. Riegger, Esq.
Lindsey Desmet
Jennifer Kostuch
William Lipovsky
Erika Crawford
Cathy Desmet
Loren Eaton
Joseph Cho
Kait Scirri
I do not have an account; however, I have cashed checks over $10,000 from 401k there. My husband received a settlement check drafted from Chase bank and was told it was over the limit. Is this true or do different locations have different rules?
Monica, we’re sorry to hear about your difficulties! We contacted Chase’s corporate customer service department and were told that there is no set limit that applies to all locations, but that branches sometimes set limits for non-customers at their own discretion. It is a good idea to call the branch before visiting to verify that they will cash the check; your husband may want to try calling a few branches in your area other than the one he already visited. Chase may also deny the transaction if the account that the check is drawn on does not have sufficient funds. We have updated our article to reflect this information.
HOW TO GET AROUND CHASE BANK CHECK CASHING FEES!
I am a General Contractor:
PROBLEM:
The Chase Bank (and a few others) charge you $8.00 to cash their member’s personal checks. Their explanation, ‘you are not a member of our bank’. This is a “PREDATORY FEE”, and the Bank know that! Every Manager I have talked to tell me that the cost to process that check is the same weather I was a member or not. They are penalizing you for not being a member of their bank, ‘which is stupid”, the person who wrote the check is also ‘not a member of your bank’, but chose to hand you a check! My bank does not charge a check cashing fee, and I am not paying a check cashing fee to Chase or anyone else!
SOLUTION:
DON’T PAY THE FEE! When their member hand you a check add $8.00 to cover their check cashing fee! Do not pay the fee! It cost Chas the same to process that check whether you are a member or not! As one of my customers, ‘that’s stupid!, ‘I did not know my bank was doing that, I am not going to pay Chase $3.00 to obtain the check, then pay $8.00 every time I write one’. SHE MOVED HER ACCOUNT TO ANOTHER BANK! If enough of their member complain about paying the fee, maybe these predators will come to their senses.
I have 25 customers with Chase accounts. If they choose to write me a check I add $8.00 to their invoice to cover their Chase check cashing fee. I am not paying for their members to maintain a Chase checking account! Chase cash more than 20,0000 checks yearly …..that’s $160,000.00 a year that we are paying for their members to maintain their Chase checking account. ‘WHO DO CHASE THINK THEY ARE? THE IRS! SEND THE FEE BACK TO THEIR CUSTOMER….. DON’T PAY IT!….LET THEIR CUSTOMER DEAL WITH IT!
Hi Bill,
Thanks for your comments and sharing your approach for avoid this Chase fee. Sounds like a good idea for someone in your position!
Is the $8 Check cashing fee for non-members a flat fee?
Hi Allison,
That’s correct, its a flat fee, charged per check. It’s not related to the check amount.
Thank you! I was looking for the best deal.
I cashed a check from State Farm at Chase today and they actually didn’t charge me because it was from the insurance company.
Happy to help! 🙂