Does Chase cash Checks?

Chase Bank is one of the largest U.S. institutions in the country. With over 5,100 locations and more than 16,000 ATMs installed throughout the country, it is positioned as one of the top banks. Chase’s ATM efficiency is so important that you might find one anywhere around town.

Like all banks, Chase has policies and fees for cashing checks. Although this financial institution has great flexibility in its activities, it is important to determine what conditions the bank sets to complete this transaction. In the following guide, we will answer your questions about whether or not Chase cash checks, where can I cash a Chase bank check 

Can I cash a check at a Chase ATM?

Chase Bank has special policies regarding cashing a check: the amount, the fee, and the types of checks you can cash at these ATMs. The highlight of their policies is that Chase cashes almost all types of checks, including those related to:

1. Payroll 
2. Personal
3. Government
4. Tax refund checks
5. Cashier’s checks for customers

So, does Chase Bank cash checks? Yes. and those are the types of checks you can cash at ATMs if you are a bank customer. If you are not an account holder and you are wondering, does Chase cash checks for non-customers? The answer is “yes,” but with different conditions than account holders. “Non-customers” can only cash checks drawn on a Chase account.

What Do You Need to Cash a Check at Chase?

If you are a Chase customer, you only need your bank account number to cash a check. You will rarely need to show an ID to prove you are an account holder, although we recommend you always have an ID card in case the bank asks to verify your identity.

You should also have money in your bank account to pay the transaction fee. If the check to be cashed is drawn on a Chase bank account, the financial institution will not charge fees.

You will need a current photo ID if you are not a bank customer. You may present a state driver’s license, passport, or government-issued document. For checks over $500, a second form of identification, such as a credit card, debit card, or Social Security Card, is required. 

If appropriate, Chase may ask for a document that verifies your current home address in your name, such as a lease or home purchase agreement, utility bill, or any other document that meets these conditions.

How Do You Cash a Check at Chase? 

If you are wondering how and where you can cash a check, you can cash it at any bank location in your city. Either by going to a banking institution or by using the transaction lanes for cars. To cash the check correctly, you must sign the back of the check on the top line for printed business checks or on the single line for personal checks. 

If you are a Chase customer, you can write your account number on the line or in the space below the signature. This will allow the teller to complete the transaction faster. Give the check and identification to the bank teller and ask to cash it. 

Chase Bank’s Check Cashing Fees and Limits

Chase Bank’s check cashing policies also established check cashing limits and transaction fees for customers and non-customers. If you are interested in cashing a check, consider these items:

Transaction Fees

Chase Bank does not charge tax for cashing a check by its customers. The fees are designed for non-customers. In these cases, you will have to pay $8 for each check cashed; if you are a non-customer and decide to cash three checks, you will have to have $24 in your account to cover the fee. There is a possibility that they do not charge the transfer fee for certain types of checks, such as insurance checks.

Limits: how much does Chase charge to cash a check? 

As for limits, Chase does not limit the number that Chase bank cash check in a day. But be aware of the $8 fee for each one. There are no specific limits if you’re an account holder, but some branches may set an individual cap. 

We recommend you call and ask the bank about the Chase check cashing fee before making the transaction. Your account may be limited to the total amount in your bank account, so the financial institution can recover the money if the check bounces.

Consider that checks over $10,000 must contain the information and requirements defined by the government and the bank for issuance to the Internal Revenue Service (IRS). Non-customers must submit two forms of ID to cash more than $500 (Chase check cashing limit for non customers). 

How long does it take to cash a check at Chase?

Chase Bank checks do not usually take very long. Still, on a $1000 deposit, $200 will be available the next business day, and the remaining amount will be available when the issuing bank has cleared the total. Keep in mind that if you are not a customer and you are cashing a check deposited to a Chase account, the issuer’s account must have enough money to cash the amount.

What are Chase Bank’s business hours?

You can cash a Chase check during regular customer service hours. Most Chase Bank locations are open Monday to Friday from 9:00 am to 6:00 pm and Saturday from 9:00 am to 1:00 pm if you want to find out the Chase check cashing policy or if you have any questions. They are closed Sundays and holidays.

Where Can I Cash a Chase Bank Check?

If you have a check from Chase Bank that you need to cash, there are several options available to you, each with its own set of advantages: 

1. Visit a Chase Bank Branch: You can cash the check at any Chase Bank branch near you during their business hours. Simply present the check and a valid ID, and the bank will verify the check and provide you with the funds.
2. Use a Chase ATM: If you’re a Chase account holder, you can deposit the check at a Chase ATM using the mobile deposit feature. Just download the Chase Mobile app, capture images of the front and back of the check, input the amount, and confirm the deposit. The funds will typically be available immediately.
3. Cash the Check at a Partnered Grocery Store or Retailer: Chase has partnerships with various grocery stores and retailers that offer check cashing services. You can find a list of these participating locations on the Chase website or by contacting Chase customer service.
4. Use Walmart’s Check Cashing Service: Walmart provides Chase check cashing services for Chase checks up to $5,000 per check. Simply visit a nearby Walmart location to cash your check.

Can I Cash a Check at Chase Without an Account?

No, it is not possible to cash a check at Chase without an account. Cashing a check at Chase has specific requirements and limitations for cashing checks, and they do not allow you to cash a check without an account. Chase only allows non-customers to cash checks drawn on a Chase account. 

However, if you urgently need to access the funds from the check and do not have an account with Chase, we leave you some other options to consider:

• Look for other banks or financial institutions that offer check-cashing services

Some banks and credit unions may offer check cashing services even if you don’t have an account with them. Keep in mind that these services may come with fees and limits.

• Consider using a check-cashing store

Some specialized stores offer Chase Bank check cashing services, but be aware that these services often come with high fees and interest rates. Make sure you understand the terms and conditions before proceeding.

• Contact the issuer of the check 

If you have a legitimate reason for needing to cash the check without an account, you should reach out to the person or business that issued the check and ask if they can assist you in cashing it.  

NOTE: Cashing a check without an account can be risky and may lead to legal consequences.  

Chase cash check online

Now that you know if can you cash a check at Chase, you can deposit a check online if you are away from a Chase Bank location. You can only deposit; you can’t cash it online. To deposit, you have two alternatives: the mobile app or the Chase QuickDeposit function for Chase customers. The steps to deposit a check online are:

1. Log in to the bank’s mobile app
2. In the menu, click “Deposit Check” and choose the account where you will deposit the money
3. Enter the amount to be paid
4. Tap on the “front” option and take a picture of the front of the check
5. Press “next” and then take a picture of the back of the bill
6. Choose “deposit” and then confirm the transaction

Mobile deposits do have limits attached to the amount to be paid. Limits vary depending on your account type, deposit history, and the number of years since opening your account.