Chase Bank is one of the largest banks in the U.S. and, like every bank, Chase has certain rules and fees regarding check cashing.
Whether you want to cash a check drawn on Chase Bank or are a Chase account holder unfamiliar with the policy, it's nice to know the fees, restrictions, and other details before cashing your check.
Chase Bank will cash most check types; however, if you don’t have a Chase account, you can only cash a check drawn on Chase Bank or J.P. Morgan, and you may pay a $10 fee.[1][2]
Below, I explain the details of Chase Bank’s check cashing policy, including the accepted check types, limits, fees, and requirements.
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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, as long as it’s not drawn on a non-U.S. bank or in a foreign currency.[3]
For non-customers, Chase will generally only cash checks drawn on Chase Bank or J.P. Morgan.[1][2]
If you have a check drawn on another bank, you may be interested in the list of banks that cash checks without an account.
Requirements
Whether you bank with Chase or not, you’ll generally need to show a photo ID, such as a state driver’s license, passport, or other government-issued ID, to cash checks.[3][2]
Chase Bank representatives recommend non-members bring two forms of ID, especially for larger checks, just in case the branch you visit requires it.[1]
Fees
Chase Bank does not charge a check cashing fee to its customers.[2]
For non-customers, the fee is $10 for each cashed check of more than $50. Checks less than $50 are free to cash.[1][2]
Limits
Account Holders
If you’re an account holder at Chase Bank, there is no specific, companywide limit for the size or number of checks you can cash, but individual branches may set limits.[2]
It’s a good idea to call the branch before visiting if you have multiple checks or checks with large amounts.[2]
Chase Bank may limit what you can cash to the amount currently available in your checking account so it can recover the funds if the check bounces.[3]
Non-Customers
Chase Bank does not generally limit the number of checks you can cash at any given time without an account.[2]
However, keep in mind that non-customers must pay a fee for each individual check they cash.[2] If you have multiple checks to cash, the fees can add up quickly.
Check size limits may vary by check type and which location you visit.[2]
Note that the payer’s account must have sufficient funds for Chase Bank to cash the check.[2]
Process
You can cash checks at a Chase Bank by either going inside the branch or by using the drive-through transaction lanes, if available.[2]
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).[2]
If you’re 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.[2]
Then, simply present your check and identification to the bank teller and request to have it cashed.[2]
Note that for checks over $10,000, you’ll need to fill out government-required paperwork, and the bank will need to report it to the IRS.[4]
Check Cashing Hours
You can cash a check at Chase Bank any time during regular business hours.[2]
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.[5]
Chase Bank branches are typically closed on Sundays and federal holidays.[5]
Since hours of operation can vary by location, it’s best to call ahead or check online to verify the hours at your local branch before making the trip.
Alternatives
If you’re a Chase Bank customer, you can deposit a check remotely using your cell phone with Chase QuickDeposit. Simply take a picture of the check and follow the instructions in the QuickDeposit app.[6]
Funds generally become available soon after you make a mobile deposit. However, it may take several business days.[7]
Members can also deposit a check through a Chase ATM — find your nearest ATM using the Chase ATM locator.[2]
Tip: If you have an account at a different financial institution (such as Bank of America or Wells Fargo), you can generally cash checks at your bank or credit union without fees.[8][9][10]
FAQ
Can a non-customer cash a check drawn on Chase Bank at a Chase ATM?
No, you must have an account with Chase Bank to cash a check at a Chase ATM.[1]
Can you cash a check at Chase Bank if your account is overdrawn?
No, you cannot cash a check at Chase Bank if your Chase account is overdrawn. You would have to deposit the check, then withdraw cash once you have a positive balance.[1]
When do funds become available for deposited checks at Chase Bank?
U.S. law requires Chase Bank to make a minimum of $225 available on the following business day; government checks, checks drawn on Chase Bank, certified checks, and cashier’s checks are also typically available on the following business day. Aside from that, availability times vary by check type.[11]
In Summary
Chase Bank customers and non-customers will generally need to present a valid ID to cash a check at Chase.[3][2]
Non-customers can only cash checks drawn on Chase or J.P. Morgan, and Chase Bank will charge a $10 fee for each check above $50.[1][2]
You can cash your check by taking your it into your local Chase Bank branch, using its drive-through service, or (for members) through ATM or mobile deposit; limits and availability times may vary.[1][2]
You’re welcome to share any questions, thoughts, or experiences with cashing checks at Chase Bank in a comment below.
