If you received a check written from a Truist Bank account but you don’t bank with Truist, you may be wondering whether you can cash it there. The answer: Yes, Truist does cash checks for non-customers—but only if the check is drawn on a Truist account. There are also ID requirements, fees, and limits to know before visiting a branch.
Does Truist Cash Checks for Non-Customers?
Yes. Truist will cash checks for non-customers as long as the check is issued from a Truist account and you provide valid identification.
- Accepted checks: Payroll, personal, government, and official checks drawn on a Truist account
- ID required: Name must match the check exactly
- Verification: Truist will confirm available funds in the issuer’s account
Important: If the check is NOT drawn on Truist, they will not cash it for non-customers.
What ID Do You Need at Truist?
Non-customers must show a valid government-issued photo ID, such as:
- Driver’s license
- State ID card
- Passport
- Military ID
Truist Non-Customer Check Cashing Fees
Truist usually charges a small flat fee for cashing checks if you don’t have an account. Fees vary by region, but typically fall between:
- $4 – $8 for most checks
- Fees may be lower for government-issued checks
- Personal checks may have standard fees
Ask the teller to confirm the fee before they process the check.
Limits on Cashing Checks at Truist
Truist may place restrictions on:
- Large checks (verification required)
- Third-party checks (rarely accepted)
- Post-dated checks (not accepted)
For high-dollar checks, Truist may decline if funds aren’t immediately available in the issuer’s account.
Alternatives if Truist Won’t Cash Your Check
If Truist cannot cash your check or the fee is too high, you have several options:
- Walmart – cashes many check types for a low flat fee
- Kroger & grocery stores – quick check cashing at customer service
- Check-cashing stores – accept more check types but charge higher fees
- Mobile apps – deposit using Cash App, PayPal, Venmo, or Ingo
- Your own bank – often free, even if it takes time to clear
Quick Comparison Table
| Option | Non-Customer Allowed? | Fee | ID Required? |
|---|---|---|---|
| Truist (check drawn on Truist) | Yes | Small fee | Yes |
| Walmart | Yes | Low flat fee | Yes |
| Kroger | Yes | Low fee | Yes |
| Mobile apps | Yes | Free–$5 | App account |
FAQ
Does Truist cash personal checks for non-customers?
Yes—if the personal check is drawn on a Truist account and valid ID is provided.
What is the Truist fee for non-customer check cashing?
Typically $4–$8 depending on the check type and branch location.
Can Truist refuse to cash a check?
Yes. Checks may be rejected if funds are unavailable, the check appears altered, or identification does not match.
What’s the best alternative to Truist for check cashing?
Walmart and grocery stores offer low-fee options, while mobile apps provide instant or delayed deposits.
Conclusion
Truist does cash checks for non-customers as long as the check is issued from a Truist account. You’ll need valid ID and may pay a small fee. If Truist can’t cash your check or the fee is too high, retailers, grocery stores, and mobile deposit apps offer reliable alternatives. For broader options, see our full guide on where to cash a check without a bank account.