How To Cash A Check At Truist

People are currently reading this guide.

You've got a check in hand and you're ready to turn it into spendable cash – that's a great feeling, isn't it? Whether it's a paycheck, a refund, or a gift, knowing how to properly cash a check is a fundamental financial skill. And if you're looking to do that at Truist, you've come to the right place!

Cashing a check at Truist, like at most banks, involves a few key steps and knowing what to expect. This comprehensive guide will walk you through everything you need to know, from preparing your check to understanding any potential fees.

Step 1: Gather Your Essentials – Let's Get Organized!

Before you even think about heading to a Truist branch or ATM, let's make sure you have everything you need. This initial preparation can save you a lot of time and hassle!

Sub-heading: What You'll Absolutely Need

The Check Itself: This might seem obvious, but make sure it's properly filled out and legible. Check for:
- The correct date
- The payee's name (which should be your name or the name of a business you represent)
- The written amount matching the numerical amount
- The drawer's (payer's) signature
Valid Identification (ID): This is crucial. Truist, like all financial institutions, requires proper identification to prevent fraud. Acceptable forms of ID typically include:
- Government-issued photo ID (e.g., driver's license, state ID card, passport)
- Make sure your ID is current and not expired.
Truist Account Information (If You're a Customer):
- If you have a Truist checking or savings account, bringing your debit card or account number will make the process smoother and often allows for immediate access to your funds.

Sub-heading: What You Might Also Want to Bring

A Pen: For endorsing the check (signing the back). It's a small detail but can prevent a last-minute scramble.
Your Truist Mobile App (If You Plan to Use Mobile Deposit): If you're a Truist customer and prefer the convenience of depositing from home, ensure you have the Truist mobile app installed and are logged in.
Knowledge of Branch Hours: Before you leave, a quick check of your local Truist branch's operating hours can prevent a wasted trip. You can find this on the Truist website or by using their branch locator.

Step 2: Endorse Your Check – The Signature of Authorization

Endorsing a check is a critical step that authorizes the bank to process it. Without a proper endorsement, your check cannot be cashed or deposited.

Sub-heading: Basic Endorsement

Locate the Endorsement Area: Turn the check over. You'll typically find a blank area on the back, usually at the top, often with a line that says "Endorse Here" or similar.
Sign Your Name: Sign your name exactly as it appears on the "Pay to the Order of" line on the front of the check. If your name is misspelled on the check, sign it exactly as misspelled, then sign your correct name below it.

Sub-heading: Restrictive Endorsement (Recommended for Deposit)

For added security, especially if you're depositing the check into your Truist account, consider a restrictive endorsement. This prevents anyone else from cashing the check if it gets lost or stolen.

Write "For Deposit Only": Directly below your signature, write "For Deposit Only."
Add Your Account Number (Optional but Recommended): For further security, you can also write your Truist account number below "For Deposit Only." This ensures the check can only be deposited into that specific account.

Step 3: Choose Your Cashing Method – In-Person, ATM, or Mobile?

Truist offers several convenient ways to cash or deposit a check. Your best option will depend on whether you're a Truist customer, the amount of the check, and your preference for immediate cash versus deposit.

Sub-heading: Option 3.1: Cashing at a Truist Branch (For Customers & Non-Customers)

This is the most traditional method and often the only option for non-Truist customers looking to cash a check.

Locate a Branch: Use the Truist branch locator online (truist.com/locations) to find the nearest branch.
Visit During Business Hours: Go to the branch during their operating hours.
Approach a Teller: Inform the teller that you'd like to cash a check.
Present Your Check and ID: Hand over your endorsed check and your valid government-issued photo ID.
- For Truist Customers: If you have a Truist account, the funds will typically be available immediately or within one business day, depending on the check amount and type. There are generally no fees for cashing a check drawn on Truist if you are a customer.
- For Non-Truist Customers: Cashing a check at Truist when you don't have an account can be done, but it often comes with fees and specific requirements. Truist may charge a non-customer check cashing fee (the amount can vary, so it's always good to ask the teller beforehand). They will also need to verify the funds and the authenticity of the check. They may even decline to cash the check if they cannot verify the funds or the check's legitimacy to their satisfaction. Be prepared for potential holds on the funds if the amount is large.

Sub-heading: Option 3.2: Depositing at a Truist ATM (For Truist Customers)

Truist ATMs are a convenient way to deposit checks 24/7. While ATMs generally deposit checks rather than cash them (meaning the funds might not be immediately available in cash form), some ATMs might offer immediate cash back from a deposited check, subject to limits and availability.

Locate a Truist ATM: Find a Truist ATM that accepts deposits.
Insert Your Debit Card: Insert your Truist debit card and enter your PIN.
Select "Deposit": Follow the on-screen prompts and select the "Deposit" option.
Insert Your Endorsed Check: The ATM will have a slot for inserting checks. Ensure the check is properly endorsed.
Enter the Deposit Amount: Carefully enter the exact amount of the check.
Confirm and Get Receipt: Review the details and confirm the deposit. Choose to receive a receipt, which is highly recommended for your records.
- Availability: Funds from ATM deposits may not be immediately available. Truist typically processes ATM deposits on the same business day if made by a certain cutoff time (e.g., 9 PM ET). Funds generally become available the next business day, though holds can apply.

Sub-heading: Option 3.3: Mobile Deposit via the Truist App (For Truist Customers)

Mobile deposit is arguably the most convenient method for Truist customers, allowing you to deposit checks from almost anywhere using your smartphone.

Open the Truist Mobile App: Log in to your Truist mobile banking app.
Navigate to Mobile Deposit: Look for a "Deposit" or "Mobile Deposit" option within the app.
Select Account: Choose the Truist account where you want to deposit the check.
Enter Check Amount: Carefully enter the exact amount of the check.
Endorse for Mobile Deposit: This is crucial for mobile deposits. On the back of the check, below your signature, write "For Mobile Deposit at Truist Only." Some banks may even have a specific box to check for mobile deposit.
Take Photos: The app will prompt you to take clear pictures of the front and back of your endorsed check.
- Tips for Good Photos:
  - Place the check on a dark, plain background.
  - Ensure good, even lighting.
  - Hold your phone directly above the check, not at an angle.
  - Make sure all four corners of the check are within the camera frame.
Review and Submit: Review the deposit details, ensuring the amount is correct and the images are clear. Then, submit your deposit.
- Confirmation: You'll receive an on-screen confirmation and often an email when the deposit is received.
- Keep the Check: Do not discard the physical check immediately! It's recommended to keep the check in a safe place for at least 5-14 days after the deposit has cleared, in case there are any issues. Write "Mobile Deposited" and the date on the front of the check after submission.
- Mobile Deposit Limits: Be aware that mobile deposit limits may apply per day or per rolling 30-day period. These limits can vary based on your account history and relationship with Truist.

Step 4: Understand Funds Availability and Fees – What Happens Next?

Once you've submitted your check, it's important to know when you can access your money and if any fees apply.

Sub-heading: Funds Availability

Immediate Availability: For Truist customers cashing a check drawn on a Truist account in person at a branch, funds are often available immediately.
Next Business Day Availability: For most other deposits (ATM, mobile, or checks drawn on other banks), a portion or all of the funds are typically available the next business day.
Holds: Banks can place holds on checks for various reasons, such as large amounts, new accounts, or suspicion of fraud. If a hold is placed, the teller or app will inform you of when the funds are expected to become available. This can sometimes be up to 7-10 business days.
Cut-off Times: Deposits made after a branch's or ATM's daily cut-off time, or on weekends/holidays, will generally be processed on the next business day.

Sub-heading: Potential Fees

Truist Customers: Generally, Truist One Checking accounts do not charge check cashing fees. However, it's always a good idea to review your specific account's fee schedule or ask a teller.
Non-Truist Customers: If you do not have an account with Truist, they will likely charge a check cashing fee. This fee can vary based on the check amount and Truist's current policies. Always inquire about the fee before proceeding with cashing if you are not a customer.

Step 5: Confirm Your Deposit – Peace of Mind

After the transaction, take a moment to confirm that the funds have been processed as expected.

Check Your Account Balance: Whether you deposited via ATM, mobile, or in person, always check your Truist account balance (online, mobile app, or ATM) to confirm the check has been successfully deposited and the funds are available.
Retain Your Receipt/Proof: Keep your deposit receipt (from a teller or ATM) or the confirmation screen from your mobile app. If any issues arise, this documentation will be invaluable.

Frequently Asked Questions about Cashing a Check at Truist

Here are 10 common "How to" questions related to cashing checks at Truist, with quick answers:

How to cash a check at Truist if I don't have an account? You can cash a check at a Truist branch, but you will likely need a valid government-issued photo ID, and Truist may charge a non-customer check cashing fee. They reserve the right to decline cashing if they cannot verify the check or funds.
How to endorse a check for mobile deposit with Truist? Sign the back of the check and write "For Mobile Deposit at Truist Only" below your signature.
How to find a Truist branch near me? Visit the Truist website (truist.com) and use their "Locations" or "Find a Branch/ATM" tool, or search for "Truist near me" on Google Maps.
How to check the status of a check deposit at Truist? You can check your account balance and transaction history through the Truist mobile app, online banking, or by calling Truist customer service.
How to avoid fees when cashing a check at Truist? The best way to avoid fees is to have a Truist checking or savings account and deposit the check into your own account. Non-customers typically incur a fee.
How to know if a Truist ATM accepts check deposits? Most modern Truist ATMs accept check deposits. The ATM screen will typically indicate "Deposit" as an available option.
How to determine my mobile check deposit limit at Truist? Your specific mobile deposit limits are usually displayed within the Truist mobile app when you initiate a mobile deposit, or you can contact Truist customer service for details.
How to handle a check that is old when trying to cash it at Truist? Checks are typically valid for 6 months (180 days) from the date written. After this period, Truist may decline to cash or deposit it. You may need to request a new check from the issuer.
How to cash a check at Truist if my name is misspelled on it? Endorse the check by first signing it exactly as it is misspelled, then sign your correct name directly below the misspelled signature.
How to get immediate cash from a check deposited at Truist? For immediate cash, you generally need to be a Truist customer and cash the check in person at a Truist branch. Deposits via ATM or mobile app may have a hold before funds become available as cash.

4384240623211818487