Transit check

{{Short description|Type of negotiable item}}

{{About|the banking term|the TransitChek program|Employer transportation benefits in the United States}}

{{More citations needed|date=March 2020}}

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.{{cite web |last1=Kagan |first1=Julia |title=On-Us Versus Other Forms of Transactions |url=https://www.investopedia.com/terms/o/on-us-item.asp |website=Investopedia |accessdate=26 March 2020 |language=en}}

For example, a check drawn on Bank of America, presented for deposit at Wells Fargo Bank, would be considered a transit item by Wells Fargo, while the same item presented for cash or deposit at Bank of America would be an on-us check. Routing numbers, as well as the bank name printed on the check, help to determine an item's classification.