Can I cash a check at any bank or credit union?

Answer: A bank should cash a check written by one of its account holders if there is money in the account to cover the check, the check is not more than 6 months old, and you show proper ID.

Not necessarily. A bank or credit union is usually required to cash a check if:

  • The check is written on an account at that bank or credit union
  • The person or business that wrote you the check has enough money in his/heror its account to cover the check
  • The check is not more than six months old, and
  • You show proper identification

Generally, a bank or credit union is not required to cash a check if the check comes from an account at another bank or credit union.

Your bank or credit union may allow you to cash a check from another bank or credit union, or it might require you to deposit the check into your own account. If you deposit the check in your account, your bank or credit union can make you wait until the check hold time has expired to draw on those funds.

If you go to a bank or credit union where neither you nor the person writing the check has an account, the bank or credit union does not have to cash the check.

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