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Some banks let you open prepaid debit cards without opening an actual account. If you deposit the check in your checking account, the funds will usually be available in one or two business days. enough said. Banks do it mainly to keep the poorer folks from coming back…non-customers who live cash-only and who don’t want to bank with Chase. 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. You should read ” the Creature from Jekyll Island” by G Edward Griffin…. Most locations are also open from 9 a.m. to 1 p.m. on Saturdays. Oh well in that case you are paying for your funds upfront. If you want to cash a $1,000 Wells Fargo check, you’d better have at least $1,000 in your Chase account to back it up. 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. Chase limiting business customers cash activity and international wires. My previous employer used Chase. 7-Eleven, for example, offers a prepaid debit card with mobile banking features. Oh wait, you need the funds immediately available? As I tried to cash it at the chase bank, they said they will need to charge me 8.00 dollars, I asked why? First because of its stupid rules, like the 6 dollars check cashing fee.. WHAT.. that is plain stupid. 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? The app also accepts personal checks, business checks and money orders. never ordered checks, returned chase card and got a check for my $250 that i deposited yesterday. They are a great bank. Would never use chase, EVER!!!. Think I am crazy? Well, I also think the fee to catch a check is horrible too but most banks do it these days! with $100 from the cashed check, and left. Either by fees or by depositing money into a chase account. They wanted 3 or 4% or some crap like that! I thought about this for a moment, and said sure! Chase ATMs — Conveniently deposit up to 30 checks and cash at most ATMs. Fees can span from none to extremely high. The the person paid has to pay a fee to have the “prime-service” purpose of a checking account in the first place. so it’s not a matter of ‘too poor to have an account’….there will be other extenuating circumstances. Meaning why would you not deposit that check into your own bank? Sometimes, it’s easier simply to open a basic checking account. Teller: No we don’t do it that way. 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. We should sue for extortion, They are probably making millions a week stealing our hard earned money.. Plus they are not opening just for me. Chase has no way to tell if the Wells Fargo check is good until checks are processed later that night. 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. Several 7-Eleven locations also house kiosks where you can cash checks. But anytime you cash a check at a place that’s not your own bank, you also must consider the amount. If this account really is at zero, you will start incurring any monthly service charge applicable to that account type. Me: Is she committing fraud? Chase charges non-customers $5 or more to cash a check drawn on Chase Ban in the branch. Ha! Some places charge larger fees for larger amount,s and almost all put a flat cap on how much you’re allowed to cash. Alternatively, you can follow these steps using the Chase Mobile App® to request a Stop Payment on a Check. Places available to cash or deposit an eCheck That’s double dipping. Plus they would need to provide all the evidence via Duces Tecum……Is the previous poster out of law school yet? just for starters…if you give a hoot about what the real world is all about. They do not purposely add a fee to your check. To make the process easier, we’ve published a report on the, If you’re opening a bank account for the first time, it’s important to start a good savings routine. Me: Serious? As you can see, the fee steeps high for mobile deposit when you don’t have a bank. Other locations: Check cashing stores, cash advance, and payday loan shops will also cash checks for you. 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 … 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. Besides, if she’s committing fraud, shouldn’t you call the cops? You typically pay a fee ranging from $3 to a percentage of the check amount and will be required to present a valid ID. Choose the checking account that works best for you. Chase getting more desperate for retail customers? 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. Chase will eventually fall. “Spend anywhere” money can also be used if there isn’t enough money to cover an ATM withdrawal or purchase made at a “Place to spend.” Essentially, Chase is giving you $1,000 before it knows whether the Wells Fargo check is good or not. Postal Service, convenience stores, drug stores, grocery stores and check … Since she is obviously not committing a crime, can she come back in 30 days and get her $6 back–after all, it is HER MONEY!? Your first stop should be the bank that issued the actual check. As with Chase, SunTrust or Bank of America checks, you're asking a location to cash a check for you. with them. I think it has a good chance of winning. In truth the international banking ba$tards and the cabal of global government (corporatocracy) would like to have us all on debit cards. In addition, check-cashing services also will honor your cashier's check for a fee. According to the after check 21 Act, of course, you can print on any printer. If you are with Chase, there’s no charge. 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! It’s my money, or at the very least, my employers money. We are way out numbered on this and no one cares. The bank may decide not to cash checks if something is suspicious, or if they simply don’t want to serve non-customers. I hope I’m there to piss in the ashes. You should be able to cash a cashier’s check at the institution that issued the check, even if you’re not a customer. Although risky, cash checking stores are also an option. The Amazon Rewards Visa Signature Card is a credit card offered by Amazon and Chase. No law obligates banks and credit unions to cash checks for everyone, especially non-customers. DO you want to spend your whole check on gas to deposit it? So if you pay 8.00 it makes everything good. When you take a check into a physical location like a bank or check cashing store, you can get cash on the spot. Penny wise and pound foolish. I went in to cash a payroll check and asked them why they charge 5 bucks to cash a check. 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. Several banks, companies and retailers offer reloadable prepaid debit cards. Can you cash a check at any bank? Many of these also charge no monthly fees. It is my money and they make you tap dance to their tune. By chasesuxdick, January 8, 2016 @ 9:47 am. You’ll need to show ID — sometimes two forms — to cash the check, and you might have to pay a fee if you’re not a bank customer. 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”. Chase sucks. Followed by: “AND YOU WONDER WHY PEOPLE HATE BANKS!!!!”. 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 bank or credit union where you have your checking account may allow you to cash a check from another bank or credit union. My guess is the fees are not mandatory and the people who charge you are either new tellers or angry tellers. He then said that if I opened a Chase account, I could get my check cashed for free. You provide zero profit, you take up our time, get out and don’t come back. If it were a business check (payroll) however there would have been. 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. I need to cash a check from India (INR) into my Bank of America. The last thing I wanted was to notify the enemy what my bank and account number was. There would have been a $25 fee if you actually closed the account within 90 days of opening. I do this every day with every bank and no charge. 7-Eleven offers this service through a partnership with First Century Bank. Throug fractional reserve the amount can be 9 or 10 time that amount. If you’re not a Chase customer and you bring in a check drawn on Chase, the check cashing fee is $6. How to Write a Chase Check. Several major banks offer simple accounts that require little-to-know opening balances. Be sure the date is correct. They withdrew the cash for you but the account was left at a zero balance. Mostly because as a customer, you expect to have everything handed to you. When the teller announced she was charging them a $6 fee (that’s 12%! Chase ATMs — Conveniently deposit up to 30 checks and cash. No other checks can be cashed for non-customers. In certain cases, law makers have even stepped into stop them from making deceptive business practices. I mean how would this do any harm to the bank. Wells Fargo didn’t charge me for cashing a personal check either. I told the owners of the business what I had experienced and they shutdown every commercial account they had with Chase and moved them to a local bank. Direct deposit — Automatically deposit … Now you can print your Business or Personal checks at home or office on Blank Check paper — now no more order chase checks. ha! 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. 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. There moto is chase what matters, more like we chase your money! ?, June 15, 2012 @ 3:06 pm. Its just 6 freaking dollars get over it!…. Each time I add $8.00 to $10.00 to their estimate. Walmart does the same for fees ranging from $3 to $6 depending on the amount you want to cash. They were there to cash a check for $50, a graduation gift. I don’t want someone I am doing business with in any way to get charged to cash a check from me!! i did get them to release the hold after making a few calls. When you come in to cash a check, with no account, there will always be a possibility of a fee. It prompts them on the screen. However, if the check is not from Chase, you must have at least that amount already in your Chase account. There was no fee. But personally, i’d rather have my money in a bank for security reasons. Its bs and should be illegal. Any bank can refuse to cash a check — even if their customer wrote the check and has sufficient funds. Teller: its because of fraud. Don’t expect to repeat this stunt in the future. 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’. Why? but if they did not, it would have taken at least 7 business days for them to become available. Direct Deposit — Automatically deposit paychecks. 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. 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. This is interesting… this “fee”. Look up these options and see who can offer you the best terms. Teller: Because fraud costs the bank so much, we have to collect a fee to offset the fraud. How do you expect a teller to make an exception by herself? Most banks will accept government checks, because they know the funds exist. But you don’t have to be a customer to download the app that gives you access to this feature. The days of bringing in a check like that and getting it cashed for free at the drawer bank, are *OVER*. Don’t be surprised if that is changed to a percentage fee in the near future. The person or business the check is from is Chase’s customer. Pick Up a Payroll Debit Card. Plus, apps like Ingo Money can be linked to a number of different prepaid cards. 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!!!!! The check was issued to me by a client. Food for thought. For example, standard pricing allows you to deposit a check of up to $250 for a $5 fee or 2% of the amount more than $250. But if you are a non-customer, you will be able to cash checks that are only drawn on a Chase account. By The Muffin Man, May 19, 2012 @ 9:15 am. I also would like to add that Chase’s employment and management sucks! & I cant emphasize this enough, but the tellers are not the ones that charge you. But your options don’t end their. Talk about illegal! I just cashed a $100.00 personal check drawn on BOA and I do not have an acct. Why would I bank there knowing they’ll rip off anyone I wrote a check too? Compare the Top 3 Financial Advisors For You, While it’s possible to cash a check without a bank account, the process may take a serious chunk out of your pay. Went to make a deposit and pay loan payment at branch. & 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. 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. They could tell you you can't cash any checks over $5 if they wanted to. I told them to go f- themselves! I don’t understand why someone is not allowed to place money in your account anymore. “The customer is always right” The best place to cash your cashier’s check would be your bank, if you have a checking account, and if you don’t, you can go to a check cashing store or a grocery store like Walmart or H-E-B. HOW TO GET AROUND CHASE BANK CASHING FEES! You can stop a payment on a check by choosing “Add stop payment.” Additional Options But if you’re turned down at the check-issuing bank, there are other places you can cash your check. Even worse, non-customers with checks are the biggest source of fraud…from the roommate who steals your checkbook and fakes your signature for a quick $300, all the way to fraudsters who create $3,000 checks. So be prepared for that, and make sure you have proper documentation. Can you cash a check at any bank? And the company claims to give you access to your funds in minutes. Google will help you do that. My landlord gave me a check for 60.00 dollars for work I have done on his apartment complex. Chase totally screwed themselves on this deal. 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. Regardless of type of check, however you’d need proper identification. Some banks will simply convince you to open accounts to avoid a hefty fee-cashing fee. Many large banks also offer prepaid debit cards. 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. Some banks will simply convince you to open accounts to avoid a hefty fee-cashing fee. 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. Very angry bout that to the point we are canceling her account on tomorrow. If not, then why are you charging her? For the few comments that are PRO chase, stop looking at numbers & realize what’s right! If you have an account with the institution, you should be able to cash it for free. You can also cash checks at several retailers, grocery stores and even through mobile apps linked to prepaid cards. When it comes remember this crazy guy’s warning. 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. But with so many options, it can be hard to pick the right one. Several retailers from local mom-and-pop shops to major department stores cash checks including personal ones. When you don’t have a bank account, the issuing bank is the best place to … These checks are all from the same company and vary in amounts from $100-$1,000. Stupid idiots!!! So the purpose of having a checking account is to pay someone. I’m not sorry I don’t feel bad for the people who struggle check by check. but they aren’t going to stop. Always will. That being said the last place we lived was an hour from the nearest shared branch. 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. I went to chase bank in San Jose California today. If you want to cash a $1,000 Wells Fargo check, you’d better have at least $1,000 in … Chase is especially arrogant. Fucking Chase! I have a wife and family to support. The manager actually told me he didn’t know and didn’t care, and that perhaps I should go to Walmart and ask them! Why should Chase get a cut? The $6 fee is designed to deter non-customer check cashers. By Johny no tell, March 29, 2011 @ 7:55 pm. I highly doubt it. Find an alternative or take your business elsewhere. I think you'd be better off buying a cashier's check or money order at your regular bank, payable to Chase and paying the balance that way. There are 6 fields that you will need to fill in with information.. The experienced tellers and tellers who are happy do not bother charging the fee. The teller next to me was assisting an obviously poor mom and teenage daughter. 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. Bank at your own bank and don’t worry about Chase. So you literally “cash” the check. To help you out, we conducted extensive research on the. One drawn on BofA, one Wells Fargo and the third chase. THE IRS! 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. 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. How Much Do I Need to Save for Retirement? Cashing a check with us is quick, convenient, reliable - and it can save you money. 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. It is a promise to pay. 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. The check-issuing bank, you take a check from me!!!!. Same thing only waited till the following bus day from is Chase what matters, like... Checking stores are also open from 9 a.m. to 6 p.m., Monday Friday! Check itself has a bank account can cash a check on the account was left at a small mid. Giving you $ 1,000 in any way to tell if the check into your own bank and don t! 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