If you need to cash a check on a Saturday, the rules can be confusing. Some banks offer limited weekend services, others only cash checks for their own customers, and a few do not process check transactions at all on Saturdays. This guide explains exactly how Saturday check cashing works, which banks can help, and the best alternatives if your branch is closed.
Do Banks Cash Checks on Saturdays?
Yes, some banks do cash checks on Saturdays — but only during branch business hours, and usually with limited staffing. Many banks restrict Saturday check cashing to account holders only. Transactions may also post the next business day, meaning the check amount may not be available until Monday.
Banks Most Likely To Cash Checks on Saturdays
- Chase Bank – Most branches open Saturday mornings and cash checks for customers.
- Bank of America – Limited Saturday hours; typically cashes checks drawn on Bank of America.
- Wells Fargo – Offers Saturday service at many locations but may restrict check cashing to customers.
- Regions Bank – Many branches have Saturday morning hours.
- TD Bank – Known for extended weekend hours in some markets.
If the check is drawn on the bank you visit, you may have better luck — even if you are not a customer.
What Types of Checks Banks Will Cash on Saturdays
- Payroll checks – Commonly cashed if issued recently and from a verified employer.
- Government checks – Social Security, tax refunds, and other federal or state checks.
- Cashier’s checks – Usually cashed without delay.
- Personal checks – Accepted by some banks but with tighter verification and possible delays.
For more guidance on personal checks at retailers, see our posts on whether Walmart cashes personal checks or Kroger’s personal check policy.
Will Your Funds Be Available Immediately?
Even if the bank cashes your check on a Saturday, the money may not be available until the next business day. Banks generally do not process check clearing on weekends, which means:
- Deposits may be marked as “pending” until Monday.
- Cash withdrawals may be limited based on your account history.
- Non-customer check cashing may involve additional verification steps.
Best Alternatives if Your Bank Is Closed on Saturdays
If your bank is not open or won’t cash your check on a Saturday, you still have several good options:
- Retailers – Walmart, Kroger, and Publix cash certain types of checks. See: Publix check cashing guide.
- Check-cashing stores – ACE Cash Express and similar providers offer weekend service (fees apply).
- Mobile deposit apps – Apps like PayPal, Cash App, and Ingo allow weekend submissions, though instant deposit fees may apply.
- ATM deposits – You can deposit checks at ATMs 24/7, but funds may not be available until the next business day.
Tips for Cashing Checks Successfully on a Saturday
- Check hours online before visiting — weekend schedules vary widely by branch.
- Bring valid ID such as a driver’s license or passport.
- Arrive early — Saturday lines are typically longer.
- Call ahead to confirm they can cash your specific type of check.
- Have a backup plan — retailers and mobile apps are reliable alternatives.
People Also Ask
Do banks process checks on Saturdays?
No. Most banks do not process check clearing on weekends. Funds typically post on the next business day.
Can I cash a check at an ATM on Saturday?
You can deposit checks at ATMs anytime, but you generally cannot receive cash back instantly from an ATM check deposit.
Do banks cash third-party checks on weekends?
Most banks do not cash third-party checks on weekends due to higher fraud risk and reduced staffing.
Can non-customers cash checks at a bank on Saturdays?
Sometimes. Banks may cash checks drawn on their institution for non-customers, but policies vary by branch.
Conclusion
Some banks do cash checks on Saturdays, but availability depends on the branch, your account status, and the type of check. Even if a bank cashes your check, the funds may not fully clear until Monday. If your branch is closed or has limited service, retailers, mobile deposit apps, and check-cashing stores provide solid weekend alternatives.