Tired of losing your paycheck to check-cashing fees?
Stop paying high fees to access your own money. There’s a better way to cash checks with RCB.
Our check-cashing service gives you convenient access to your money without an account and without the high costs charged by check-cashing options1. Get immediate access to your money1 when you visit an RCB branch, with clear fees, friendly service, and no surprises.
1Fees vary by check type. Identification and verification required. Certain limits and restrictions apply. Check-cashing services are not deposit accounts. Current fee schedules available in branch or see fee schedule for more details.
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 = 1.50% of Check Amount*
- $15/$1,000
- Government Checks = 1.50% of Check Amount*
- Insurance Checks = 2.00% of Check Amount*
- $20/$1,000
- Non-Payroll Checks = 5.00% of Check Amount*
- $50/$1,000
- Payroll Checks (from a National Processor) = 2.00% of Check Amount*
- Postal Money Orders = $5.00 Per Check*
*fees subject to change
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CASHING A CHECK IS AS EASY AS...
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.
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 = 1.50% of Check Amount*
- $15/$1,000
- Government Checks = 1.50% of Check Amount*
- Insurance Checks = 2.00% of Check Amount*
- $20/$1,000
- Non-Payroll Checks = 5.00% of Check Amount*
- $50/$1,000
- Payroll Checks (from a National Processor) = 2.00% of Check Amount*
- Postal Money Orders = $5.00 Per Check*
*fees subject to change
Find a Branch
Bring your check and valid identification to your nearest RCB branch. Our team will be right there to help and answer any questions.
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.
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Cash Your Check
Ready to get your money? Visit your nearest branch today to cash your check without the high fees.
Become a Customer
Open an account and enjoy fee-free deposits, plus all the convenience of banking with Reading Cooperative Bank.
FREQUENTLY ASKED QUESTIONS
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.
A valid, non-expired ID is required to cash a check. We accept the following forms of identification:
- Driver's License
- State-Issued ID Card
- Passport
- Permanent Resident Card
- Military ID
RCB can cash checks for the following:
- Bank Checks
- Government Checks
- Insurance Checks
- Non-Payroll Checks
- Postal Money Orders
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
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: 1.50%
- Government Checks: 1.50%
- Insurance Checks: 2.00%
- Non-Payroll Checks: 5.00%
- Payroll Checks (from a National Processor): 2.00%
- Postal Money Orders: $5.00 flat fee
Note that fees are subject to change.
Cashing or depositing checks is always free for RCB customers/account holders.
For in-person check cashing, you'll receive your funds immediately during the transaction.
For customers making a deposit, the amount will be available in your account by the next business day.
Banking that speaks your language.
At Reading Cooperative Bank, everyone is welcomed, valued, and understood. We have extended branch hours to accommodate your busy schedules and also take pride in our bilingual workforce, ensuring effective communication with customers.
