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Old 06-15-10, 05:15 PM   #1
phantomcow2
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Can I cash a check at the same bank?

My credit union doesn't have any ATMs nearby that I can use to deposit my first paycheck. I want to get it cashed. The bank my company uses for payroll is local (Signature Bank), and my employer is probably one of their largest customers. Signature also has an office in my town. Can I bring my day-old check to Signature and expect them to cash it, even though I don't have an account with them?
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Old 06-15-10, 05:26 PM   #2
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I would guess no, but you stand a chance if it's printed. However, I think a better option would be to go to the teller counter with a co-worker you trust. Sign it over to them, and then have them cash it at the counter, and immediately hand the cash to you. That's what I did when I was in your situation several years ago. Also, carrying around a full paycheck in cash may or may not be a great idea, so hopefully you have a plan for that.
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Old 06-15-10, 05:49 PM   #3
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A bank will cash a check drawn on that bank. They don't even charge a fee for noncustomers. If you have a check drawn on the "First Federal Security Bank", or any other bank, and they have a branch in that town, they are required to honor that check as long as their account holder has the funds to cover the check, whether you have an account there or not.
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Old 06-15-10, 06:35 PM   #4
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A bank will cash a check drawn on that bank. They don't even charge a fee for noncustomers. If you have a check drawn on the "First Federal Security Bank", or any other bank, and they have a branch in that town, they are required to honor that check as long as their account holder has the funds to cover the check, whether you have an account there or not.
That wasn't my experience with Bank of America. After standing in a long segregated line for "non-customers" they wanted to charge me $5 to cash a BOA payroll check from the local educational agency. I was so pissed that I walked off, forgetting that I had a rarely used BOA credit card in my pocket with a $25K credit line.
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Old 06-15-10, 06:45 PM   #5
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Yep - I never had a problem doing that - just bring ID. Oh and the one bank had this thumb fingerprint thingee I had to dip my thumb into and put onto the check for verification.

I also have a few places in town that are check cashing places that will cash checks within 3 days of issuance with proper ID, of course. And they may be in some "iffier" parts of town too - but when you have to hunt a place to cash these checks - they work.

Signed,

Someone who screwed up their checking account several years ago and is in the "Chex-ex" (sp) system for a 7 year span - I have 1 year to go before I'll be allowed to get another checking account.

I've been in a 7 year cure here of curing credit and checking account issues. Rather sucks, but I did it - and I'm paying for it.
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Old 06-15-10, 06:50 PM   #6
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That wasn't my experience with Bank of America. After standing in a long segregated line for "non-customers" they wanted to charge me $5 to cash a BOA payroll check from the local educational agency. I was so pissed that I walked off, forgetting that I had a rarely used BOA credit card in my pocket with a $25K credit line.
I also hit a $5 charge to cash my check at a Key Bank, but I was so grateful to just get the thing cashed versus going through my Mother (ugh) that I did it for a while till I investigated other avenues ...
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Old 06-15-10, 07:10 PM   #7
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yes




no





maybe





try it and see






let us know by posting a thread asking us if we think they cashed it.
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Old 06-15-10, 08:18 PM   #8
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1. The bank should cash it, since it is drawn on one of their accounts.

2. You say you belong to a credit union back home, but they don't have any of their ATMs local to you now? Have you tried to see if there are any credit unions near you now that might be willing to 'network' with your home one? I read an article about how credit unions are gaining in popularity, how they are forming alliances/associations with others to better serve their account holders.

3. Have you not heard of Direct Deposit?
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Old 06-15-10, 09:43 PM   #9
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Used to do it all the time at my first job. They'd cut Wells Fargo checks, so I'd just walk into the local Wells Fargo branch and they'd exchange it for cold hard cash.
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Old 06-15-10, 10:11 PM   #10
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I hate cheques!!! I usually get paid in cash. Saves so much time and headaches.
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Old 06-16-10, 08:50 PM   #11
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My credit union has a quasi network with other credit unions in the area; I can withdraw funds fee-free from any credit union, but I cannot deposit anywhere other than my credit union. That means I have to be in the seacoast NH area to deposit a check.

Yea I've heard of that direct deposit thing . For some reason it doesn't take effect until my second check.

The company I'm interning at has offered me a full time position when I graduate next year, so I'll probably be living in Long Island one way or another. GUess it's time to find another credit union. Kind of stinks though, not many places would give a college student a credit card with 11% interest .

I went to the bank and they cashed the check. It wasn't easy. My government issued driver's license wasn't enough -- they wanted to see my work ID too! Took 15 minutes.
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Old 06-16-10, 09:14 PM   #12
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He needs more money for the landlady(Mrs.Robinson).{wink,wink**

hoohaa dude
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Old 06-17-10, 06:56 AM   #13
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Banks will cash an "on us" check (a check drawn against an account at their bank) even if you don't have an account there. Some will, as noted above, charge you anywhere from $3 to $5 for the "service" while others will cash it for free.
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