Personal Finance

Can I Cash An Ontario Government Cheque At Any Bank?

  • Last Updated:
  • Mar 3rd, 2022 7:50 pm
Jan 17, 2017
6 posts

Can I Cash An Ontario Government Cheque At Any Bank?

I read that any bank in Canada must cash a Canadian Government cheque (under a certain amount), even for non-clients. Is this also true for Ontario Government cheques? I presently don't have a bank account.
5 replies
Sr. Member
Feb 28, 2014
996 posts
The Government of Canada is its own financial institution and all banks must honour their payment instruments, it doesn't appear that this extends to provincial governments.

Is there a particular reason why you currently don't have a bank account? There are many free options available including popular options like Tangerine & Simplii. If you require branch access, there are credit unions like DUCA Credit Union in GTA and FIrstOntario in the Hamilton/Niagara Region that offers free account options.
Temp. Banned
Jun 24, 2015
7649 posts
Yes you will be able to cash a Government of Ontario cheque at a bank, but you may need to be a customer with that bank, but you do not need to have a checking account, It can be a mortgage, line of Credit, credit card, etc.
For government of Canada Checks, you can cash them anywhere that offers check cashing even if you are not a customer of that institution.
Supermarket worker at Fortino's
I'm Not a Wise Guy but more of a Good Fella~!
Drive an Escalade
Deal Addict
Dec 25, 2017
3149 posts
You can cash them at any Canadian financial institutions of which you are a customer of. However, unlike federal government cheques, they aren’t mandated to cash them for free.

However, if it’s under $1500, take it to a RBC branch. I read in their fee schedule that they’ll waive the $5 fee for non-clients to negotiate municipal and provincial cheques under $1500: ... vices.html

Hope that solves your problem OP! :)
Deal Guru
Dec 5, 2006
13850 posts
I assume banks have to cash federal government cheques is because they are federal regulated? How about credit union? Do they have to cash provincial government cheque?