TD Bank is known for long banking hours and fast service, but will they cash a check if you’re not a TD Bank customer? The short answer is yes—TD Bank does cash checks for non-customers, but only if the check is drawn on a TD Bank account. Fees and ID rules apply.
Does TD Bank Cash Checks for Non-Customers?
Yes. TD Bank will cash a check for you even if you don’t have an account, as long as the check was written by a TD Bank customer and you present proper ID.
TD Bank generally does not cash checks drawn on other banks for non-customers. For those, you’ll need to visit your own bank or a check-cashing service.
TD Bank Non-Customer Check-Cashing Fees
TD Bank typically charges a small fee for non-customers cashing checks. Fees may vary by branch and state but are usually:
- $7 for checks drawn on TD Bank (common estimate; varies by location)
- Percentage-based fees are uncommon at TD Bank but can occur in limited areas
Always call ahead to confirm current fees at your local branch.
ID Requirements at TD Bank
Non-customers must present a valid, government-issued ID. Accepted forms include:
- Driver’s license
- State ID card
- Passport
- Military ID
Additional verification may be required for large checks.
Limits for Non-Customer Check Cashing
TD Bank may limit or refuse to cash checks that are:
- Over a certain dollar amount
- Suspicious or potentially fraudulent
- Altered or damaged
For very large checks, TD Bank may require the check writer (their customer) to verify the transaction.
Does TD Bank Cash These Check Types?
- Payroll checks drawn on TD Bank — ✔ Yes
- Personal checks drawn on TD Bank — ✔ Yes
- Cashier’s checks drawn on TD Bank — ✔ Yes
- Government checks drawn on TD Bank — ✔ Yes
- Checks NOT drawn on TD Bank — ✘ No
Best Alternatives if TD Bank Won’t Cash Your Check
If your check isn’t drawn on TD Bank, try these options:
- The bank the check is drawn on — most reliable option
- Walmart MoneyCenter — low fees for payroll and government checks
- Kroger / Publix / grocery stores — may cash payroll or government checks
- Check-cashing stores — widest acceptance but higher fees
- Mobile deposit apps — Cash App, PayPal, Venmo, Ingo
FAQ
Does TD Bank cash personal checks for non-customers?
Yes, but only if the check is drawn on a TD Bank account.
Will TD Bank cash a check from another bank?
No. Non-customers can only cash TD Bank–issued checks.
What is the TD Bank check cashing fee?
Typically around $7, but varies by location. Always call ahead.
Conclusion
TD Bank does cash checks for non-customers—as long as the check is drawn on a TD Bank account. Expect to show ID and pay a small fee. If your check is from a different bank, your best alternatives are the issuing bank, a check-cashing store, or a mobile deposit app.