An on-us check is a negotiable item (

check Check or cheque, may refer to: Places * Check, Virginia Arts, entertainment, and media * ''Check'' (film), a 2021 Indian Telugu-language film * '' The Checks'' (episode), a 1996 TV episode of ''Seinfeld'' Games and sports * Check (chess), a th ...

) which is drawn on the same

bank A bank is a financial institution that accepts deposits from the public and creates a demand deposit while simultaneously making loans. Lending activities can be directly performed by the bank or indirectly through capital markets. Becau ...

that it is presented to for payment. For example, a check drawn on

Bank of America The Bank of America Corporation (often abbreviated BofA or BoA) is an American multinational investment bank and financial services holding company headquartered at the Bank of America Corporate Center in Charlotte, North Carolina. The bank ...

, presented for deposit at another branch of Bank of America, would be considered an on-us check. The same item presented for deposit at

Wells Fargo Bank Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California; operational headquarters in Manhattan; and managerial offices throughout the United States and inter ...

would be considered a

transit check A transit check or not on-us check is a negotiable item (check) which is drawn on another bank than that at which it is presented for payment. For example, a check drawn on Bank of America, presented for deposit at Wells Fargo Bank, would be con ...

. Routing numbers, as well as the bank name printed on the check, help to determine an item's classification.

References

See also