Compliance Question of the Week

Do we have the right to refuse to cash an “on-us” check (a check drawn on a credit union member’s account) when the check is presented by a non-member?

No. Both Oregon and Washington law states that the credit union cannot refuse to cash this type of check, provided there are funds in the account to cover the item.

Additionally, you may still require the non-member to present valid ID before negotiating the instrument.

Related Links:

ORS 73.0412
RCW 62A.3-412


Questions? Contact the Compliance Hotline: 1.800.546.4465,

Posted in Advocacy News, Compliance News, NWCUA.