Check Cashing

Tired of Losing a Paycheck
to Check-Cashing Fees?

Stop paying high fees to access your own money. There’s a better way to cash checks with RCB. We charge less, so you can take home more.1

Find a Local Branch

Cashing a Check
is as Easy as 1,2,3

Our check-cashing service gives you convenient access to your money without an account and without the high costs charged by check-cashing options.1 Get immediate access to your money1,2 when you visit an RCB branch, with clear fees, friendly service, and no surprises.

1. Check the Details

Before you cash your check, take a moment to review the type of check, the amount, and how many you’re bringing—compare with our check-cashing details here so you know exactly what to expect.

2. Find a Branch

Bring your check and valid identification2,3 to your nearest RCB branch. Our team will be right there to help and answer any questions.

3. Start Spending

Use your hard-earned money however you want, with more cash back in your pocket than you’d get from other, more expensive check-cashing services.

Frequently Asked Questions

Who can use RCB’s check-cashing services?

Anyone may cash checks at RCB, subject to identification, verification, and applicable limits, with or without an account. Stop by a branch, and our team will help you cash your check and review any limits or fees in advance.

What types of identification are accepted?
A valid, non-expired ID is required to cash a check. We accept the following forms of identification:

  • Driver’s License
  • State-Issues ID Card
  • Passport
  • Permanent Resident Card
  • Military ID

What types of checks does RCB cash?
RCB can cash checks for the following:

  • Bank Checks
  • Government Checks
  • Insurance Checks
  • Non-Payroll Checks
  • Potal Money Orders

Are there any limitations to cashing checks?
RCB has the following check-cashing limits for non-customers:

  • Up to $5,000 per check
  • Up to $5,000 per day
  • Up to 3 checks per day

What fees does RCB charge for check cashing?
There is no charge to cash checks for RCB account holders.

For non-account holders, we keep our check-cashing fees competitive and straightforward. Here’s what to expect:

  • Bank Checks: 1.5%
  • Government Checks: 1.5%
  • Insurance Checks: 2%
  • Non-Payroll Checks: 5%
  • Payroll Checks (from a National Processor): 2%
  • Postal Money Orders: $5 flat fee

Note that fees are subject to change.

Do RCB customers have to pay a fee to cash or deposit checks?
Cashing or depositing checks is always free for RCB customers/account holders.

When will I get my money?
For in-person check cashing, you’ll receive your funds immediately during the transaction2. For customers making a deposit, the amount will be available in your account by the next business day.

1Fees vary by check type. Identification and verification required. Certain limits and restrictions apply. Check-cashing services are not deposit accounts. Current fee schedules are available in branch. View our fee schedule for more details.
2Service availability subject to change without notice. Contact your nearest RCB branch or view our current fee schedule.
3Identification and verification required. Certain fees, limits, and restrictions apply and may vary by check type.

Check Cashing
No charge for account holders.

Check Cashing Limits:

  • Per Check = $5,000.00
  • Total Per Day = $5,000.00
  • Maximum Limit of Checks Per Day = 3

Check Fees:

  • Bank Checks = 1.5% of Check Amount*
    • $15/$1,000
  • Government Check = 1.5% of Check Amount*
  • Insurance Checks = 1.5% of Check Amount*
    • $20/$1,000
  • Non-Payroll Checks = 5% of Check Amount*
    • $50/$1,000
  • Payroll Checks (from a National Processor) = 2% of Check Amount*
  • Postal Money Orders = $5 Per Check

*Fees subject to change