When cashing an "On-Us" check for a non-member, the first thing you will need to do is ask if they are aware of the check cashing fee. If they are not, inform them of the fee (1% or $4, whichever is greater). You are responsible for advising of the fee, calculating it, and transferring it to the GL. If they want to proceed, ask for their ID. This must be a valid, government issued ID. If they do not want to proceed, they are free to take the check to their own institution.

*We ONLY cash On-Us checks for Non-Members. No Exceptions.

Next, you will need a fingerprint on the front of the check and have them endorse the back of the check.

The MSR will then write the following information on the back of the check:

• Address
• Phone Number
• ID number and expiration date

You will need to verify the signature of the member who wrote the check. To do this, go into the member's account and pull up the ID to see if the signatures match, or you can go into the member's history and pull up previous check images from the member. Make sure to look back at checks at least 3 months when verifying signatures.