The app also accepts personal checks, business checks and money orders. When you come in to cash a check, with no account, there will always be a possibility of a fee. You can stop a payment on a check by choosing “Add stop payment.” Additional Options However, if the check is not from Chase, you must have at least that amount already in your Chase account. I have about 25 customers with Chase accounts. CHASE is what is wrong with wall street. Local laws determine how much these services can charge, and some will put the money on a prepaid debit card rather than give you the cash. My landlord has an account @ chase, the check was written from his chase checking account. They have 14 different companies, including a couple of huge equipment distributors for the South Eastern United States. The bank or credit union where you have your checking account may allow you to cash a check from another bank or credit union. We have stopped doing business with Chase a while back. Just sayin’. I just cashed a $100.00 personal check drawn on BOA and I do not have an acct. No law obligates banks and credit unions to cash checks for everyone, especially non-customers. If you live in Pennsylvania, West Virginia, Ohio, Maryland or Indiana you can cash a check written by a friend to you at one of Giant Eagles 229 stores. I am not pay for them to have a Chase account! Teller: its because of fraud. So you literally “cash” the check. Just called chase to get a military check cashed and was told it would be 6 dollars. i bank at a small regional mid atlantic bank. 7-Eleven offers this service through a partnership with First Century Bank. This is ILLEGAL….a check is Order Paper, and chase has NO right to step in the middle and take a cut of a check drawn on their bank written by their customer. You won’t receive cash for your check, but you will get equal value put on a Giant Eagle Advantage Card to spend in their store. stop judging. As you can see, the fee steeps high for mobile deposit when you don’t have a bank. Is it ridiculous? He then said that if I opened a Chase account, I could get my check cashed for free. Each time I add $8.00 to $10.00 to their estimate. Photo credit: ©iStock.com/MicroStockHub, ©iStock.com/RyanJLane , ©iStock.com/AndreyPopov, Bank of America® Travel Rewards Visa® Credit Card Review, Capital One® Quicksilver® Cash Rewards Credit Card Review, 7 Mistakes Everyone Makes When Hiring a Financial Advisor, 20 Questions to Tell If You're Ready to Retire, The Worst Way to Withdraw From Your Retirement Accounts. Many large banks also offer prepaid debit cards. The Amazon Rewards Visa Signature Card is a credit card offered by Amazon and Chase. How Much Do I Need to Save for Retirement? I have to take exception, I am not cheap nor do we struggle check to check, my grandmother sends my birthday gift with a check every year and my husband is in the military so we have USAA. Sorry guys, there is a cost to remain anonymous in the United States these days. So I stood infront of the bank and stopped new customers from opening accounts by reviewing chase practices. For example, Chase offers a prepaid card for a monthly fee around $5. The teller said that is secret information. Always will. Talk about illegal! I am looking for a currency exchange or anywhere that is not a bank to cash a personal check as I don't have a bank account. I asked to speak to the branch manager to see if he would waive the policy. To help you out, we conducted extensive research on the. My guess is the fees are not mandatory and the people who charge you are either new tellers or angry tellers. There are 6 fields that you will need to fill in with information.. Fucking Chase! But anytime you cash a check at a place that’s not your own bank, you also must consider the amount. You’re usually in the clear if your check is below $5,000. These banks are ridiculous. Like receiving a “final payment” from one of your customers who has had a habit of bouncing checks (each of which have already cost you $12-$25 at your own bank). ), I spoke up immediately. The $6 fee is designed to deter non-customer check cashers. Mostly because as a customer, you expect to have everything handed to you. In general, Chase Bank branches are open from 9 a.m. to 6 p.m., Monday through Friday. Any bank can refuse to cash a check — even if their customer wrote the check and has sufficient funds. RSS feed for comments on this post. Several retailers from local mom-and-pop shops to major department stores cash checks including personal ones. I’m not sorry I don’t feel bad for the people who struggle check by check. Chase Bank branches are … Penny wise and pound foolish. & Before you start yelling at the teller on why “HE/SHE” is charging you, remember that the teller is just another employee that cannot make exceptions for you. When you take a check into a physical location like a bank or check cashing store, you can get cash on the spot. I’ve banked with chase for 8 years and have never had an issue. I made a point of thanking the branch manager for the free check cashing service, and promised to tell all my friends and family about my experiences with Chase. Chase was testing a percentage check cashing fee (non-customers) in a few markets. Wells Fargo didn’t charge me for cashing a personal check either. However, it might require you to first deposit the check into your own account. I have closed more than one acct. Most of you don’t give a darn and this is why Banks and ultimately the brotherhood of scientific feudalism will make you all new age serfs on their global plantation. On the other hand, when you come to cash a check online you’re not “cashing” it per se, you’re depositing it into your bank account. I tried talking to the teller and then management and her reply was “I DON’T KNOW YOU”. Since she is obviously not committing a crime, can she come back in 30 days and get her $6 back–after all, it is HER MONEY!? Geez,.. Open an account (not with chase if you dont like the place) and stop whinning. Look up these options and see who can offer you the best terms. Below you will find an example of what a check looks like. Sorry Frank G, although everything you said above is correct, the reason for that fee is convenience. Why should Chase get a cut? You’ll have the most success with a government-issued or payroll check, but you may be able to cash small personal checks as well. Banks consider cashiers checks to be the equivalent of cash so spending money to buy one will be no different than using cash in Chase… This is how Tyranny wins the day. Chase will eventually fall. Some banks will simply convince you to open accounts to avoid a hefty fee-cashing fee. Other locations: Check cashing stores, cash advance, and payday loan shops will also cash checks for you. And there more reasons to cash out a check rather than depositing it to your own account, than just “getting cash because I need it now.”. enough said. That being said the last place we lived was an hour from the nearest shared branch. They withdrew the cash for you but the account was left at a zero balance. I mean how would this do any harm to the bank. I opened a Chase acct. Plus they are not opening just for me. Those tellers stand around a do nothing for hours out of the day. Chase ATMs — Conveniently deposit up to 30 checks and cash at most ATMs. (adding loudly) How many $6 fees does it take to cover a 2 billion lost-bet? Several major banks offer simple accounts that require little-to-know opening balances. I highly doubt it. I also would like to add that Chase’s employment and management sucks! Chase does charge a 25.00 closure fee for closing an account within the first 90 days. One day I took my paycheck into the branch from which the check was written. By Billy Johnson, September 27, 2017 @ 4:05 pm. BUT, if customers were more educated to the way a bank works, you would understand that there are many precautions that are taken into consideration when the policies and rules and regulations are placed. Chase offers a prepaid card that allows you to deposit checks at any Chase ATM, for a monthly fee of approximately $5 USD. Ha! Pick Up a Payroll Debit Card. So, Nick, you can get off your high horse about thinking that people who want to cash checks at the payor’s bank are pathetic hand-to-mouth deadbeats. You can also cash checks at several retailers, grocery stores and even through mobile apps linked to prepaid cards. I dont want to have to open an account at every banking institution that people could write me a check on to not to be charged aa service fee. With these, you can usually cash checks at any of the bank’s branch locations or ATMs. The tradeoff is the convenience of cashing a check virtually anywhere with service. Sure it is! By The Muffin Man, May 19, 2012 @ 9:15 am. In others, it charges flat fees ranging from 50 cents to one dollar. “Taking up time tellers time” c’Mon with a $6 fee for no more than 5 min, almost a $1 a min which is $60 an hour….I don’t think tellers make that much so that’s a lot of cash going into fat cats deep pockets. Me: Is she committing fraud? Noone owes you anything in this life. And they do seem to be making a lot of it these days. Worse case scenario: If not, then why are you charging her? I do IT consulting. Still, many banks across the country will cash checks for you. From Chase’s perspective, you are the enemy. Fees can span from none to extremely high. Ya, I work for Chase not that I want too but with the state of the economy and the lack of jobs I have no choice. For a small check like that, take it to your own bank. The teller next to me was assisting an obviously poor mom and teenage daughter. My landlord gave me a check for 60.00 dollars for work I have done on his apartment complex. The writer of the check may be the one in the “iffy” position, and you want to make sure you get YOUR money out of their acct before someone else does, or before the writer of the check overdraws his own account. Your name and SSN is probably flagged in Chase internal database. The person or business that gives you the check has already paid Chase for the “privilege” of using their check service. How to Write a Chase Check. Its not a great alternative for ppl that don’t want to have an account anywhere, but it’s the only alternative if you don’t want to be charged a fee. Since an eCheck is just a digital payment, you can treat it like any other check, with some exceptions.We'll go over the places and ways you may, or may not, deposit an eCheck. I received 3 checks yesterday. I asked how it was possible for Walmart to cash a Chase check at less cost than Chase, the bank (and branch) from which the check originated? By donald middleton, February 15, 2012 @ 12:51 pm. Some places charge larger fees for larger amount,s and almost all put a flat cap on how much you’re allowed to cash. Not all people who don’t have accounts are struggling or hand-to-mouth people. Find an alternative or take your business elsewhere. Your first stop should be the bank that issued the actual check. Set limits on where and how much your child can spend, like $10 at restaurants or $15 to spend anywhere. This is interesting… this “fee”. There would have been a $25 fee if you actually closed the account within 90 days of opening. When it comes remember this crazy guy’s warning. Oh wait, you need the funds immediately available? they put a hold on my funds from a $5,000+ check drawn from wells fargo bank. it wont make any difference in the financial world, but i feel better knowing that i have taken some money from them in the form of not accepting their checks or cards. Also there customer basically referee you there to cash a check, what a bad first experience & knowledge that they charge for cashing their customers checks. The first reason is possible fraud by the person who wrote you the check. Every big bank charges for this. well I’m a bank teller at one of the “Big Four” US banks… I can tall you that all of them charge about the same amount and while it might be unfair, please remember that banks are for-profit institutions. There’s so many fraudulent checks we have to charge a $6 fee to cover the cost. The the person paid has to pay a fee to have the “prime-service” purpose of a checking account in the first place. Chase doesn’t charge to cash a Chase check. Postal Service, convenience stores, drug stores, grocery stores and check … The experienced tellers and tellers who are happy do not bother charging the fee. actually, i have done the same thing only waited till the following bus day. I need to cash a check from India (INR) into my Bank of America. Google will help you do that. So be prepared for that, and make sure you have proper documentation. If you are with Chase, there’s no charge. Fees & charges, Tips | admin March 18, 2011. When it comes to personal checks, they would make sure the person who wrote it has enough funds in his or her account. I don’t understand why someone is not allowed to place money in your account anymore. i guess they are getting away with this as a “convenience” fee, but, at my place of business, i don’t accept checks from a chase bank nor will i accept a credit/debit card with the name chase anywhere on the card. we also have a Marine federal acct and can utilize shared branching. Yes, we all know they are for profit. Scroll down to Account Services and select “Stop Payment on a check”. I asked the teller, “why do you have a policy that infringes on your obligation to pay me in full?” Cashing a check with us is quick, convenient, reliable - and it can save you money. Be sure the date is correct. It is legal fraud and sucks. Why would I bank there knowing they’ll rip off anyone I wrote a check too? Chase charges $45 and the hold is 2-6 weeks. Wells Fargo provides this service for checks drawn on one of its accounts, but you'll be charged $7.50, which will come out of the cash you get back. You’ll earn 3% cash back at Amazon and Whole Foods Market, with 2% cash back at … By chasesuxdick, January 8, 2016 @ 9:47 am. If your bank is closed, won't cash the check, or won’t give you more than $200 in cash, you can try to get cash at a retailer. Another reason, which I used once, is that the writer of the check (the enemy) wrote the check to me as the result of a formal negotiation to settle matters. The best banks in the U.S. typically offer simple bank accounts with a small minimum opening deposit (or none at all) and no monthly fees. But if you are a non-customer, you will be able to cash checks that are only drawn on a Chase account. I am a General Contractor: I simply took the check back and told the bank manager that I was going back to the check writter and charge them the $8.00 fee ‘for not having an account at my bank’. Banks and Credit Unions If you have an account with a bank or credit union, you should be able to cash any cashier’s check without paying a fee. Its bs and should be illegal. If you have a bank account in the banks or the issuing banks of these checks are like Chase or Bank of America or any other big bank, you can cash you starter check at free or you have to pay a minimal charge if cashing in a different bank and different account scenario. That’s crazy and I hate it because I was able to deposit cash in my daughters account that’s in college & now I have to mail her a check which is absurd. The days of bringing in a check like that and getting it cashed for free at the drawer bank, are *OVER*. Places available to cash or deposit an eCheck The answer was “to pay for managing the money.” But, they are obligated to pay you the full amount because a check is a promissory note. Chase charges non-customers $5 or more to cash a check drawn on Chase Ban in the branch. because of crazy fees and unfair bank practices that I just couldn’t deal with. Chase has no way to tell if the Wells Fargo check is good until checks are processed later that night. “Spend anywhere” money is money your child can use anywhere and makes up a portion of their available balance (it works just like the available balance of any Chase checking account). For the few comments that are PRO chase, stop looking at numbers & realize what’s right! When I took the check back she said she did not know the bank was doing that, she was not going to pay Chase $10.00 or $11.00 every time she write a check and moved her account. Would never use chase, EVER!!!. The bank may decide not to cash checks if something is suspicious, or if they simply don’t want to serve non-customers. Always have. If you want to cash a $1,000 Wells Fargo check, you’d better have at least $1,000 in … just for starters…if you give a hoot about what the real world is all about. Note: If you plan to cash or deposit the check with a teller, or at a check cashing service, we highly recommend that you do not detach the eCheck from the stub below. The fact that that they lie to my face when I ask them if it is mandatory is the reason I have not opened an account. Chase QuickDeposit℠ — Securely deposit checks from almost anywhere. It’s a nasty shock to people who still think banks cash their own checks for free. Teens and kids can request money and you can approve or decline the request. Went to make a deposit and pay loan payment at branch. I don’t want someone I am doing business with in any way to get charged to cash a check from me!! It is a promise to pay. Several 7-Eleven locations also house kiosks where you can cash checks. I went to a nearby store and grabbed a soda, then walked back into Chase (no more than 10 minutes later) and closed my account. No other checks can be cashed for non-customers. Either by fees or by depositing money into a chase account. The person or business the check is from is Chase’s customer. Stupid idiots!!! I plan on getting out of here as fast as possible, also I am going to school to be a lawyer and you can bet that one of the first lawsuits that I am going to file is against Chase for illegal labor practices!! Regardless of type of check, however you’d need proper identification. The answer is maybe. When you don’t have a bank account, the issuing bank is the best place to … No red flags for Chase. By Johny no tell, March 29, 2011 @ 7:55 pm. but if they did not, it would have taken at least 7 business days for them to become available. These checks are all from the same company and vary in amounts from $100-$1,000. Chase cash about 2,0000.00 checks yearly …..that’s $25,000.00 a year that we are paying for their members to maintain their chasing account. BASTARDS!! Choose the checking account that works best for you. Just call them for info… December 10, 2014 at 12:32 pm. With one of these, you can deposit a check via an ATM, store kiosk or even on a mobile device. I’ve heard this many times from people – Chase charges to cash a check if you are not a customer regardless of where the check is drawn on. I have a wife and family to support. If you use Amazon regularly, this card could potentially provide you with a lot of cash back. acct was annulled. I was not going to pay a fee for cashing their member’s check when they have already paid $2.00 to $3.00 to obtain and write the check! Make purchases with your debit card, and bank from almost anywhere with your phone, tablet or computer and at our 16,000 Chase ATMs and nearly 5,000 branches nationwide. Then when they dislike what we do or say the ‘funds’ could be shut off or removed from our use. Chase should not then charge the recipient of the check. It is my money and they make you tap dance to their tune. BofA and Wells cashed the checks with NO fees. For example, Chase offers a prepaid card for a monthly fee around $5. Although risky, cash checking stores are also an option. Chase is especially arrogant. Some banks let you open prepaid debit cards without opening an actual account. I took two checks written to me to Chase Bank the same branch the employer uses they cashed one check then stamped cancel endorsement on the other check and said that they could not cash it I asked why the teller said I can’t tell you why have them call me so now I have a check that nobody wants to cash because on the back of it it’s stamped cancel endorsement what the *** is … What I don’t understand is why half of the time I go in they charge me (I always ask if it is mandatory and they say yes) and the other half of the time they don’t even mention a fee. Now you can print your Business or Personal checks at home or office on Blank Check paper — now no more order chase checks. Plus, apps like Ingo Money can be linked to a number of different prepaid cards. When the teller announced she was charging them a $6 fee (that’s 12%! Oh well in that case you are paying for your funds upfront. We are way out numbered on this and no one cares. I do this every day with every bank and no charge. No other checks can be cashed for non-customers. Your brains must be sorry to belong to you, your narrow-mindedness is astonishing to say the least. This Nick guy is a Chase stooge….when I criticized Chase bank in their lobby they sent a stooge to sit next to me and challenge every commnent I made; other customers were saying they were leaving Chase before this stooge sat next to me…I finally told this stooge “you work for Chase don’t you?” This stooge said “yes”. 7-Eleven, for example, offers a prepaid debit card with mobile banking features. Go read about the UNBANKED and UNDERBANKED populations. These go by several names: check-cashing stores, payday loan stores, title loan stores. And the company claims to give you access to your funds in minutes. Date – In the top right corner, you will need to fill out the date the day you are making the purchase. Banks are a business, its not something complimentary. Thats the managers job. Given how many times I’ve heard stories about Chase employees giving flat out wrong information, I would not be surprised if you simply got an incorrect answer. You know, few will tell it like it is because of fear of reprisal and detection… Gutless fools. Taking my money to suncoast federal credit union. I just called and asked. Of course, you have other options. I don’t know where you guys are getting the $6 fee from but I tried to cash my paycheck at Chase (my company uses Chase as their bank) and was told I would be charged $40!!!!! Direct Deposit — Automatically deposit paychecks. Most locations are also open from 9 a.m. to 1 p.m. on Saturdays. In addition, many check-cashing services only will process cashier's checks up to a specified limit, to limit their risk. But if you’re one of the millions of Americans with no bank account, you’ll probably have to cash your check at a big-box store, supermarket, bank or check-cashing center. Does anyone know where I can go for this? It’s pretty sad to read some of the stories here. If you really have a problem with the way banks our ran and you rather not have an account. If this account really is at zero, you will start incurring any monthly service charge applicable to that account type. But personally, i’d rather have my money in a bank for security reasons. ‘WHO DO THEY THINK THEY ARE? To get a cashier's check, you'll have to request one from your bank or a credit union either online or in person at a brick-and-mortar location. In truth the international banking ba$tards and the cabal of global government (corporatocracy) would like to have us all on debit cards. The check was issued to me by a client. Chase is like a locust with their hostile takeover tactics and if that doesn’t work thenow they coerce their way through the Fed and buys whatever bank they want at pennieon the dollar ie: wamu, first Bank etc etc.