If you've received a check, you probably want to cash or deposit it as soon as possible. Huntington understands.
We want depositing a check to be quick and convenient—that’s why we offer features like All Day Deposit℠ and mobile deposit. If it's a paycheck or other check you receive regularly, you can also set up direct deposit.
Step 1: Bring a valid ID.
Be sure to have a valid form of ID with you when you go to your bank to deposit a check. Valid forms of identification include driver's licenses and passports.
Step 2: Endorse the check.
Once you arrive at the branch, flip the check over to the back and look for two grey lines. Depending on the type of check, it may read “endorse here.” Sign your name on the first line as it appears on the front of the check. If the check is made out to more than one person, they can sign on the second line.
After you have endorsed your check, you’re ready to cash or deposit it!
Step 3: Present the check to the banker.
If you’d like to deposit all or part of the check, provide the banker with the account number or identification, how much of the check you would like to deposit into your account, and how much you would like to receive in cash. The banker will provide a receipt for the transaction.
Do personal checks expire?
While personal checks do not technically expire, banks have the option to refuse payment if a check is older than six months. With so many convenient ways to deposit a check, avoid this deadline by depositing or cashing it as soon as possible after you receive it.
Deposit a check through our ATMs & mobile app.
If you're a Huntington customer, you can deposit a check without stepping into a bank branch. Make your deposit at one of our ATMs or through the Huntington Mobile app. Plus, with All Day Deposit℠, you don't have to rush to beat an early cut-off time. Follow our step-by-step instructions for mobile and ATM check deposit.
Open a Huntington Checking Account
If you want a basic checking account with no monthly maintenance fee, or an interest-earning checking account, we've got the options that are right for you.
Learn More
All Day Deposit℠ is a service mark of Huntington Bancshares Incorporated.
FAQs
If you're a bank customer, visit one of your bank's branches or ATMs, or make use of mobile deposit through your bank's app, if it's offered. Endorse the check. Just before cashing or depositing the check, sign the back with your name on the line with the X. Hand over the check with ID or a bank card.
How do I cash a check at my bank? ›
To truly cash a check at your bank, as opposed to depositing it and making a withdrawal, you will need to do so in person with a bank teller. Again, make sure to bring photo ID and your debit card. There, you can usually receive a larger amount of money than depositing the check with your smartphone or at an ATM.
How do you deposit a check to your bank? ›
How to Deposit or Cash a Check at the Bank
- Step 1: Bring a valid ID. Be sure to have a valid form of ID with you when you go to your bank to deposit a check. ...
- Step 2: Endorse the check. Once you arrive at the branch, flip the check over to the back and look for two grey lines. ...
- Step 3: Present the check to the banker.
When most people receive a check, they deposit it in their bank account, cash it at their bank, or show their ID and cash it at the bank that issued the check. It's possible to cash a check without a bank account by cashing it at the issuing bank or a check cashing store.
Should I cash a check at my bank or the bank on the check? ›
Not every bank will cash a check from a noncustomer, but many do. You'll have the best luck visiting the bank the check was issued from. Other banks may still agree to cash your check, as long as they can verify the account holder has enough funds to cover the check amount.
How big of a check can you cash at a bank? ›
Limits vary depending on the vendor and the type of check. It's also worth bearing in mind that most states impose a check-cashing maximum of $5,000. Your own bank won't charge you fees for cashing or depositing a check. The issuing bank, on the other hand, may or may not charge non-customers for this service.
How to deposit cash in a bank? ›
Wondering how to deposit cash in bank accounts without hassle? Simply go to your bank branch and fill out a deposit slip with your account number and the amount you are depositing. Hand the slip and your cash to the representative, who will process the transaction and provide you with a receipt for your records.
How do I deposit a check at Bank Teller? ›
Endorse the back of the check. Take the check and deposit slip to a bank teller. Confirm with the teller how much of the check you want to deposit and how much you want to receive in cash, or you can deposit the entire check. The teller will hand you a deposit receipt.
Will any bank deposit a check? ›
If you have a bank account, it's best to cash a check at your bank. But if you don't have a bank account — or if your bank isn't currently accessible to you — and you go to a bank or credit union where you aren't a customer, those institutions aren't obligated to cash your check.
Is it better to deposit a check in person or online? ›
If you deposit your check via the bank's mobile app or at the bank branch, the money should be available more quickly than if you deposited it via mail or an offsite ATM. If your check exceeds $225, you may also access your money more quickly by cashing the check and depositing the cash itself into your account.
Here are some examples: If you don't have an account, Bank of America will charge an $8 fee to cash its own checks. Wells Fargo charges $7.50. At Citibank there is no charge for checks under $5,000.
Can I cash my check at a bank that isn't mine? ›
Banks aren't required to cash checks from people who aren't customers. That being said, many brick-and-mortar banks will still cash your check even if you don't bank with them.
What does cashing a check mean? ›
Cashing a check means exchanging a check for the full amount in cash (minus possible fees), and can spend that money immediately. But the procedures can vary depending on your account history and the type of check you're cashing.
How to deposit a check in a bank? ›
Join the queue at the deposit counter and submit it. Present the filled deposit slip along with the endorsed cheque/s to the bank teller. The teller will verify the details, including the signature, and process the deposit. After depositing the cheque, the teller will provide you with an acknowledgment receipt.
How to cash a check at your bank? ›
If you're a bank customer, visit one of your bank's branches or ATMs, or make use of mobile deposit through your bank's app, if it's offered. Endorse the check. Just before cashing or depositing the check, sign the back with your name on the line with the X. Hand over the check with ID or a bank card.
Is cashing a check at the bank faster? ›
Yes, a check deposited in person (as opposed to a mailed check or a mobile check deposited after the bank is closed) is likely the fastest way to clear a check, as the customer makes the deposit at the bank before its closing time.
Can banks charge a fee to cash a check? ›
Most banks have policies that allow check cashing services only for account holders. If a bank agrees to cash a check for a non-customer, it may legally charge a fee. These policies are intended to protect the banks and their customers from forgeries.
Can I cash a check from the ATM? ›
As long as you've endorsed your check, written the account number on the back, and have your debit card and PIN number ready, cashing a check at an ATM shouldn't take more than a few minutes if the financial institution makes the funds available.
How do you get a bank check with cash? ›
Once at the bank, you will pay the teller the amount you want the cashier's check made out for. You may pay with cash or, if you are a customer of the bank, the funds will be withdrawn immediately from your account.
Where can I get cash back on a personal check? ›
The most common place where you can cash a check is at a bank or credit union. However, there are other places you can turn your check into cash, including check-cashing apps, ATMs, or certain retailers (Walmart famously cashes many types of checks).
