Skip to main content

About us

We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

I received a check and tried to cash it at the bank/credit union that holds the account on which the check is written. The bank/credit union charged me a fee for cashing a check. Can a bank/credit union do that?

Answer:

Generally, a bank or credit union can charge you a fee for cashing a check when you don’t have an account with that bank or credit union.

However, some states have laws that require employers to pay you in a way that enables you to get your wages without a fee. In those states, you should be able to cash your paycheck at the bank or credit union the check is from without paying a fee. To learn more about the law in your state, contact your state banking department, state Attorney General’s office, or for issues related to your paycheck, your state’s Labor Department.

Was this page helpful to you?

Note: Do not include sensitive information like your name, contact information, account number, or social security number in this field.

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.

Read full answer Hide full answer