If someone wrote you a check from their Chase Bank account but you don’t bank with Chase, you may be wondering whether you can cash it there. The short answer: Yes, Chase does cash checks for non-customers—but there are ID requirements, limits, and fees you should know before you go.
Does Chase Cash Checks for Non-Customers?
Yes. Chase will cash checks for non-customers as long as the check is drawn on a Chase account. You must show valid ID, and the name on your ID must match the name on the check.
- Accepted checks: Payroll, personal, government, cashier’s checks—if the funds come from a Chase account.
- Endorsement required: Sign the back of the check in front of the teller.
- Processing: Chase verifies the issuing account has available funds.
Note: If the check is not drawn on a Chase account, they will not cash it unless you are a Chase customer.
What ID Do You Need at Chase?
Chase requires non-customers to show a valid government-issued photo ID. Accepted forms include:
- Driver’s license
- State-issued ID card
- Passport
- Military ID
Chase Non-Customer Check Cashing Fees
Chase typically charges a small flat fee for cashing checks if you don’t have an account with them. The fee varies by state and branch, but is usually:
- $0 – $8 depending on the check amount and location
- Payroll and government checks may have lower fees
- Personal checks often have standard fees
Always ask the teller to confirm the fee before they process the check.
Limits on Cashing Checks at Chase
Chase may impose limits on:
- Large checks (verification required)
- Third-party checks (usually not accepted)
- Post-dated checks (never accepted)
For larger checks, Chase may refuse to cash if the issuing account cannot immediately cover the full amount.
Alternatives if Chase Won’t Cash Your Check
If Chase can’t cash the check or the fee is too high, here are solid alternatives:
- Walmart – cashes most payroll and government checks for low fees
- Kroger – offers check cashing at customer service counters
- Check-cashing stores – accepts most check types (higher fees)
- Mobile apps – Cash App, PayPal, and Venmo allow deposits by photo
- Your own bank – even if funds take a day or two to clear, it’s often free
Quick Comparison
| Option | Non-Customer Allowed? | Fee | ID Required? |
|---|---|---|---|
| Chase (check drawn on Chase) | Yes | Small fee | Yes |
| Walmart | Yes | Low flat fee | Yes |
| Kroger | Yes | Low fee | Yes |
| Mobile apps | Yes | Free–$5 | App account |
FAQ
Does Chase cash personal checks for non-customers?
Yes, as long as the check is issued from a Chase account and you have valid ID.
What’s the fee for cashing a check at Chase without an account?
Typically $0–$8 depending on check type and location.
Can Chase refuse to cash my check?
Yes. Chase may decline if the account lacks funds, the check appears altered, or your ID doesn’t match.
What’s the best alternative if Chase won’t cash it?
Walmart, Kroger, check-cashing stores, mobile apps, or depositing it at your own bank.
Conclusion
Chase does cash checks for non-customers, but expect to show ID and pay a small fee. If the cost or requirements don’t work for you, retailers, apps, and check-cashing stores offer reliable alternatives. For more options, see our guide on where to cash a check without a bank account.