My bank charges a significant fee for deposits of US Social Security checks. Is this generally a paid service or I should explore other banks and get lower fees?

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    Change banks. There should never be a fee gor depositing a check written to you into your own account. – keshlam Feb 19 '16 at 1:58
  • c/gor/for/ in previous comment, of course. – keshlam Feb 19 '16 at 4:27
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    Is there something we are missing? Are you out of the country? Have you avoided the requirement to switch to direct deposit only? – mhoran_psprep Feb 19 '16 at 10:52
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    I disagree with the close votes. OPS is not asking for a specific bank, just if this type of fee is customary. – JohnFx Feb 19 '16 at 13:32
  • Are you depositing your Social Security check into your account, or did Grandma endorse her Socal Security check over to you and you are now trying to deposit it in your checking account? (Whether you gave Grandma the cash equivalent or not is not relevant). I can imagine the bank being suspicious and demanding a fee in the latter case to cover the increased risk of cashing (or trying to collect) what might turn out to be a stolen Social Security check. But, if it is your own check, why not ask the Social Security Administration to deposit it via ACH directly into your own account? – Dilip Sarwate Feb 20 '16 at 0:06

Banks may choose to charge whatever they want for whatever services they offer (at least, within legal limits), because they are a business. It's unusual for a bank to charge a service fee for cashing a check, but not impossible. As a commenter said, you should consider shopping around for a new bank. Most banks will give you literature regarding their fees upfront if you ask.

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