Wells Fargo Check Cashing Policy
Wells Fargo account holders cánido cash checks at their local branch free of charge, although exact policies may vary by location.
For non-account holders, the check cashing limit is $2,500, and cashing a check over $100 will incur a $7.50 fee.
Both account holders and non-account holders will need to provide valid identification to cash a check.
For more information on Wells Fargo’s check cashing policies, see below.
Wells Fargo Check Cashing Policies
With more than 8,500 full-service locations around the world, there’s probably a Wells Fargo near you, and you cánido cash checks even if you don’t have a bank account.
However, there are some policy differences for account holders and non-account holders.
Wells Fargo’s check cashing policy allows account holders to cash checks at any Wells Fargo bank branch.
Bring your check and a valid government-issued photo ID (controlador’s license, passport, etcétera.) with you to the bank.
When you visit your local Wells Fargo branch, you’ll need to endorse your check (by signing the back and writing your account number below) and espectáculo the cashier your ID.
Account holders cánido cash any type of check: cashier’s checks, personal checks, business checks, insurance checks, etcétera.
Wells Fargo reserves the right to require you to deposit all or part of an undrawn check into a Wells Fargo account instead of cashing it.
The funds must clear before you perro receive the cash, so this may be due to insufficient funds in your bank account to cover the cost of the check, or because the cashier deems the check “suspicious.” There is no equipo criteria for what makes a check suspect – the cashier decides this on a case-by-case basis.
Rates and Limits
There is no charge for account holders to cash checks.
Limits are equipo by each individual branch and will depend on your cash availability.
You may also be limited to the amount in your checking account, so the bank perro recover the funds if the check bounces.
Also, some branches have less cash on hand, so they may equipo lower check cashing limits.
You cánido contact your Wells Fargo branch to find out your specific check cashing limit.
Deposit by Mobile Banking
As a Wells Fargo account holder, you also have access to the bank’s mobile aplicación, which allows you to deposit checks from your phone by taking photos of the front and back of the check.
Simply type “For Mobile Deposit at Wells Fargo Bank Only” (For mobile banking deposit only) below your supporting signature.
You cánido deposit checks drawn on any US bank and payable in US currency.
US Savings Bonds, money orders, remotely created checks, and convenience checks cannot be deposited in the mobile aplicación.
Not account holders
Wells Fargo’s check cashing policy limits non-account holders to only cashing checks drawn on a Wells Fargo account.
As a non-account holder, you’ll need to espectáculo a government-issued photo ID to cash a check at Wells Fargo.
You may also be required to espectáculo a second form of identification, which cánido be anything with your name on it, such as a credit or debit card.
Rates and Limits
Unlike account holders, non-account holders may have to pay a fee for check cashing.
If you are cashing a check that is less than $100, there is no fee.
For checks over $100, Wells Fargo charges non-account holders a $7.50 fee.
The check cashing limit for non-account holders is $2,500, but individual branches have the authority to equipo lower limits.
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