If someone paid you with a check written from a PNC Bank account and you don’t have a PNC account, you may wonder whether PNC will cash it. The short answer is yes—PNC does cash checks for non-customers. However, there are fees, ID requirements, and important rules to understand before visiting a branch.
Does PNC Cash Checks for Non-Customers?
Yes. PNC Bank will cash checks for non-customers only if the check is drawn on a PNC Bank account. This includes payroll, personal, government, and business checks—assuming the check writer has enough funds available.
- Accepted check types: Personal, payroll, government, and cashier’s checks drawn on PNC
- ID required: The name on the ID must match the check
- Verification: PNC verifies funds in the issuer’s account before cashing
Note: PNC will not cash checks for non-customers if the check is drawn on another bank.
ID Requirements at PNC
Non-customers must show a valid, government-issued photo ID, such as:
- Driver’s license
- State-issued ID
- Passport
- Military ID
PNC Non-Customer Check Cashing Fees
PNC charges a standard fee when non-customers cash checks. Fees vary by region but generally fall within:
- $5 – $10 for most checks
- Higher fees possible for large checks or business checks
- Some government checks may have reduced fees
Check with your local PNC branch for exact pricing.
Limits and Restrictions at PNC
PNC may enforce certain limits when cashing checks for non-customers, including:
- Sufficient funds must be available in the check writer’s account
- Large checks may require manager approval
- Third-party checks are usually not accepted
- Altered or damaged checks may be rejected
If PNC cannot verify funds or the check appears suspicious, they may decline to cash it.
Alternatives if PNC Won’t Cash Your Check
If PNC can’t cash your check—or you prefer a cheaper or faster option—try these alternatives:
- Walmart: Low fees and fast check cashing
- Grocery stores: Kroger, Publix, Albertsons, and others
- Check-cashing stores: Accept more check types but charge higher fees
- Mobile apps: Cash App, PayPal, Venmo, and Ingo accept many check types
- Your own bank: May allow deposit even if funds take time to clear
Quick Comparison Chart
| Option | Non-Customer Allowed? | Fee | ID Required? |
|---|---|---|---|
| PNC (check drawn on PNC) | Yes | $5–$10 | Yes |
| Walmart | Yes | Low flat fee | Yes |
| Grocery stores | Yes | Low–moderate fees | Yes |
| Check-cashing stores | Yes | Higher fees | Yes |
| Mobile apps | Yes | Free–$5 | App required |
FAQ
Does PNC cash personal checks for non-customers?
Yes, as long as the check is drawn on a PNC Bank account and you have proper ID.
What is the PNC fee for non-customer check cashing?
Most branches charge between $5 and $10 depending on location and check type.
Can PNC refuse to cash a check?
Yes. PNC may decline if funds can’t be verified, the check is altered, or the issuer’s account has insufficient funds.
Can I cash a third-party check at PNC?
No. PNC typically does not accept third-party or double-endorsed checks from non-customers.
Conclusion
PNC does cash checks for non-customers, provided the check is drawn on a PNC account and you have valid ID. Expect a small fee and verification process. If PNC can’t cash your check, Walmart, grocery stores, and mobile deposit apps offer reliable alternatives. For more options, see our full guide on where to cash a check without a bank account.