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Account iconAn icon in the shape of a person's head and shoulders. It often indicates a user profile. Login Show You can cash a check at brick-and-mortar banks even if you're not a customer — but you may have to pay a fee
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LoadingSomething is loading. Thanks for signing up! Access your favorite topics in a personalized feed while you're on the go. When you receive a check from another person, you usually don't want to keep it as a check for long. However, if you don't have a bank account or aren't nearby your bank due to travel, your situation becomes a bit trickier. Banks aren't required to cash checks from people who aren't customers. That being said, many brick-and-mortar banks will still cash your check even if you don't bank with them. However, there might be some additional rules you'll have to follow. No, you can't cash a check at any bank. However, several institutions, especially national brick-and-mortar banks, have policies or services that allow you to cash a check even if you don't have an account with the bank. For example, Jeremy D. King, a spokesperson for Regions Bank, said Regions permits people who do not have an account with Regions to cash checks. Non-customers would have to enroll in a check-cashing service. "Each financial institution maintains its own check-cashing policies, so we encourage you to check with other banks first to determine their policies – including policies on whom may cash a check and any associated fees or processes that could vary," King also told Insider. Cashing check policies at different banksBelow, you'll get an overview of how ten national banks cash checks from non-customers:
If your bank isn't on this list, you still might be able to cash a check even if you're not a customer. Contact the bank's customer service before your visit to make sure you're aware of the bank's policies.
Sophia Acevedo, CEPF Junior Banking Reporter Sophia Acevedo is a junior banking reporter at Insider who covers banking and savings for Personal Finance Insider. She is also a Certified Educator in Personal Finance (CEPF). She joined Insider in July 2021 as a fellow for the Personal Finance Insider Reviews team. Before joining the Insider team, she was a freelancer based in Los Angeles and worked briefly in publishing. She also graduated from California State University Fullerton in 2020. You can reach out to her on Twitter at @sophieacvdo or send a quick email at . Read more about how Personal Finance Insider chooses, rates, and covers financial products and services >> Read more Read less Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards. Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. **Enrollment required. Related articlesMore... Where can I cash a Wells Fargo check without a bank account?You can cash a Wells Fargo check at your own bank, or at any Wells Fargo branch. You can also cash a Wells Fargo check by going to a store such as Walmart or another location that offers check cashing services.
Will banks cash checks if you're not a member?There is no federal law or regulation that requires banks to cash checks for non-customers. Most banks have policies that allow check cashing services only for account holders. If a bank agrees to cash a check for a non-customer, it may legally charge a fee.
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