9 Best Places to Cash a Personal Check

Best places to cash a paper check pinterest pinBest places to cash a paper check pinterest pin
We don ’ thymine live in a cashless club yet. aim lodge, PayPal and Venmo become more popular by the day, but paper checks are still a thing .
Until that day arrives, you may still receive checks that need to be cashed. You ’ re probably here because you need to cash a check .
If you start a slope bustle this year — local anesthetic or on-line — you may have a customer who pays you by newspaper check. Or grandma send you birthday money.

Whatever the sheath may be, you need to cash that check .
Our Top Picks For Where to Cash A Check

COMPANY COST
Your Bank May be free to cash
Issuing Bank May be free to cash
Walmart $4 for each check, up to $1,000

Where to Cash a Check ( Near Me )

here is a number of the top places to get your check cashed .

1. Your local Bank or Credit Union

people inside bank cashing checkspeople inside bank cashing checks
The best place to cash a check is your personal bank or accredit union. free check cash may be one of your report benefits. By visiting your local anesthetic branch, you could have instantaneous access to your cash .
That said, depending on your local savings bank options, you might be better off joining a credit union. Credit unions normally charge fewer fees than banks .
If you don ’ t need access to a national net of branches, credit unions are a capital choice. A citation marriage might besides have a lower minimal symmetry requirement to avoid monthly checking explanation fees .
many citation unions entirely require a $ 5 minimal balance to keep your score open .
Pick a local accredit union or bank that offers free check and is commodious to access. If your trust doesn ’ metric ton cash checks for dislodge, you should look for a new discipline report .

2. Visit the Issuing Bank

When you don ’ t have a bank account, the issuing bank is the best seat to start. It can be the cheapest and quickest option, compared to some of the other options on this list .
Banks might besides have a higher cashing limit than some other options, besides .
The issuing bank ’ s list is located in the penetrate left corner of the arrest, above the memo wrinkle. Go to your local ramify of that bank to cash the check .
For exemplify, If the check is issued by BB & T Bank, you can visit the local BB & T branch. The teller can then check the report proportion to make surely there are sufficient funds to cover the crack .
As with any of these check cashing locations, you will need to bring your ID to verify your identity .
Each deposit has different cashing policies for non-customers. Don ’ triiodothyronine be surprised if you are charged a non-customer fee, but not all banks and credit unions charge a non-customer tip .
The best way to find out is to call the bank or visit their on-line web site .
If you must pay a fee, banks usually charge one of the following fees:

  • $0 for any check balance below $50
  • $7-$10 for check balances above $50
  • 10% of the check balance
  • $7 per check regardless of the balance

sometimes, non-customer banks fees can be more expensive than some of the other options mentioned hera .
A few banks lone offer non-customers prepay debit cards for cashed checks. This exercise is relatively rare. These postpaid cards can come with monthly maintenance fees and termination dates. If you receive a postpaid debit batting order, read the terms and conditions .
Make indisputable to use the menu deoxyadenosine monophosphate soon as possible to ensure your money doesn ’ thymine run out .

3. Walmart Check Cashing

Believe it or not, 90% of Americans live within 15 minutes of a Walmart store. It ’ randomness identical likely you will drive by a Walmart before you pass the issue bank .
And if you buy your groceries at Walmart, your cashed check can double as your hebdomadally grocery money .
You can expect to pay the watch fees for the Walmart Check Cashing services :

  • $4 for each check, up to $1,000
  • $8 for each check greater than $1,000

The daily cash limit is $ 5,000. The specify increases to $ 7,500 between January and April for Christmas money and tax refund checks. But note that Walmart won ’ thyroxine cash any personal checks over $ 200 .
Walmart cashes your arrest for cash or a Walmart MoneyCard. They waive the recharge tip for the MoneyCard for choose payroll companies and government checks .
Walmart cashes all of these kinds of  checks :

  • Pre-printed checks
  • Payroll checks
  • Government checks
  • Tax checks
  • Cashiers’ checks
  • Insurance settlement checks
  • 401 (k), retirement disbursement checks
  • MoneyGram money orders
  • Two-party personal checks (limit: $200)

4. Your local Grocery store

Grocery stores are hit-and-miss with check cash services. You need to ask their customer service desk to find out. Some stores might merely cash payroll checks, cashiers ’ checks and money orders .
These checks are printed and not handwritten with a penitentiary. deplorably, check imposter discourages many stores from cashing handwritten checks .
very few grocers hush cash handwritten personal checks, but there are some that do .
Here are four national grocers that still cash checks:

  • Albertson’s
  • Kmart
  • Kroger
  • Publix
  • Safeway

The see cash fees for grocery store stores can be unblock, improving to 2 % of the proportion or $ 6 per control. Each store has a different cash policy .
Some grocers waive the check cashing tip if you choose store credit alternatively of cash. If you buy groceries at that particular supermarket, this is the better choice .

5. Gas Station Travel Centers

car at gas stationcar at gas station
Most flatulence stations no longer cash personal checks of any sort. It doesn ’ t matter if it ’ mho handwritten, from your employer, or a government check .
The gamble of confirmation fraud is besides much. You will have the most success at locomotion centers ( hand truck stops ) you find driving along the interstate .
A travel center accepts personal vehicles and has dedicated refueling lanes for semi-trucks .
Two full-service travel center brands to try are:
only a choice few of their locations cash checks so you will equitable have to try your fortune or call the closest localization to you ahead of time .
It ’ s possible to get dislodge checking cashing when you buy fuel within two hours of cashing your check .

6. Transact by 7-Eleven

One of the few boast place chains that cashes checks is 7-Eleven. You must download the Transact by 7-Eleven app. This app lets you cash a confirmation by taking a picture of the confirmation with your phone .
Most checks clear within 48 hours and the balance is deposited onto your reloadable 7-Eleven postpaid card .
You can then use the poster anywhere that Debit MasterCard is accepted, which is most on-line and retail stores .

7. Endorse Your Check to a ally

You can besides endorse your check to a ally who can cash it for detached. After all, what are friends for ?
endorse checks are sometimes called “ third party checks. ”
Endorsing a check to a friend to cash is simpleton. On the back of the check, follow these steps :

  • On the top line, write “Pay to the order of Friend’s Name”
  • You sign the check underneath this endorsement

Every bank has different policies for cashing back checks. To fight check imposter, you might have to accompany your friend to the bank branch to verify your identity besides .
Some banks require you to complete a form. This mannequin states your supporter has permission to cash your control. Check on-line or call the bank before your supporter goes alone to cash the arrest .
certain banks including Ally Bank, Discover Bank and Regions do not accept third-party checks .

8. Cash Your Check Using an App

You can besides cash your personal check on-line. Two apps that don ’ thymine command you to be a bank customer to cash a check are PayPal and Ingo Money .

Ingo Money

This might be the best online app for cashing personal checks. You can use Ingo Money to cash most kinds of checks, including hand-written personal checks. once you download the app, you endorse the discipline and use the app to take a word picture of its front and bet on. then you decide where you ’ d like the money to go .
You might prefer Ingo Money because of the multiple redemption options :

  • Prepaid debit card
  • PayPal account
  • Amazon gift card
  • Online bill pay for retail credit cards
  • Cash pickup at participating MoneyGram locations

With the first gear three options, the check remainder will deposit in a matter of minutes. When you want to use your discipline amount to pay a retail credit calling card, the bill payment posts the following business day. You can besides split the libra between multiple redemption options.

Ingo lets you cash checks a little as $ 5 or adenine much as $ 5,000 .
This flexibility does cost a small fee. Handwritten personal checks that are under $ 100 cost $ 5 to cash. Balances greater than $ 100 cost 5 % of the libra .
Pre-printed payroll and politics checks cost $ 5 to cash for balances under $ 250. You will pay 2 % of the proportion when the balance is greater than $ 250 .
For both control types, you can avoid the cash fees by waiting 10 days to receive the poise. But, in that character, you can only deposit the symmetry into one score .
You can use Ingo Money to deposit your control into a Chime account. Chime is a fiscal technology company that offers barren ATM access. You may besides receive your direct deposit funds up to two days earlier than if you ’ d used a traditional bank .

PayPal

PayPal is one of the largest payment processors in the worldly concern, and it besides offers a way to cash a check. It ’ south partnered with First Century Bank and Ingo Money to provide this service .
As with Ingo Money, you ’ ll need to first endorse the check, then use the app to take a picture of the front and back. once your check is approved, you ’ ll be prompted to write “ VOID ” across the battlefront of the check .
You can then choose to pay a tip and have your money made available within minutes. The criterion fee is 1 % for payroll and politics checks with a pre-printed signature and 5 % for all other bear checks, with a $ 5 minimum fee per assay .
Or, you can choose to wait 10 days to receive the funds, in which case the transaction is free .
Checks must be a minimal of $ 5 and a maximum of $ 5,000. You can cash multiple checks up to $ 5,000 per day and $ 15,000 per calendar month .
once your poise is unlock, there are multiple ways to access your PayPal funds. You can transfer it to another bank history in one day for free. Another option is transferring the balance to an eligible debit wag or prepaid card in minutes .
Debit card transfers currently cost 1% of the transfer amount (up to $10) as of September 2020 .
Or, you can transfer it to a PayPal Debit Card, which you can then use at any ATM to get cash .

NetSpend

NetSpend offers on-line check cashing excessively. You can besides find a local NetSpend spouse to cash checks excessively. The check poise loads to a prepay debit menu .
Standard process is spare. But for expedite process, you pay 2 % ( $ 5 minimum ) for a preprinted politics and payroll checks .
Handwritten checks have an expedited serve fees of 5 % of the control balance with a $ 5 minimum fee .
It ’ randomness besides possible to get $ 10 overdraft protection with their Premier Card Account feature .

Green Dot

green Dot is another postpaid debit menu option with in-app mobile check cash. You can besides cash checks at Walmart to reload your postpaid Green Dot debit card. It’s free to deposit checks with the mobile app if you can wait 10 days to entree your funds .
otherwise, you can access your funds in minutes by paying a 1 % tip for government and payroll deposits. Handwritten checks have a 4 % fee .
As of December 2020, Green Dot has the following mobile check cashing limits:

  • The minimum check balance must be $5
  • Single check balance can’t exceed $2,500
  • Can cash up to $5,000 in a single day
  • Can only cash up to $10,000 every 30 days

If you need to write person a check, Green Dot will send you a book of composition checks. You don ’ t have to open a checking score as the balance comes off your debit card .

9. Check Cashing Stores

This suggestion should always be your option of last resort because of the high fees.
Most locations charge a share of the balance rather of a categoric fee. For smaller arrest balances, this can be cheaper than other stores that charge a apartment tip. But, fees for large balances are much lower at most early places, even if they charge a share of the check poise .
These check cash stores are easy to find in your local town. They will cash every type of personal check, including handwritten checks from family and friends. sadly, this convenience comes at a high price. These stores charge the highest check cash fees .
When you put the symmetry on their reloadable debit tease, you must besides pay a monthly maintenance tip. Expect to pay a reload tip each time, besides. If possible, cash your checks at Walmart if you want a reloadable debit circuit board .

faq

What to look for when cashing a check Before cashing a check, verify the check amount is written to you, has the correct dollar measure, dated and has the key signature of the person paying you.

If the hindrance information is decline, you will need to sign your appoint on the back of the hindrance. The match cashing service may besides have you write extra text. You should wait and sign your check once you are ready to cash it. How much does it cost to cash a check? It ’ s possible to cash a control for free at some local banks and stores. Digital money apps might besides cash checks fee-free if you can wait up to 10 days to receive your funds.

To receive your funds within minutes using a check cashing app, your tip can be between 1 % and 5 % of the check libra. Each app may have a maximal fee limit such as $ 10. How do I cash a check? The process for cashing a check can be simple. First, decide if you want to cash your check at a local store or use a call app.

If cashing your check at a storehouse, bring an official ID to verify your identity. Your id appoint must match your mention on the check. following, sign the back of the assay on the “ Endorse here ” line.

For check cashing apps, you can sign the back of the check and follow the app instructions to take pictures of your check. then, you can decide if you want free standard process to receive your funds within 10 clientele days or pay an extra tip for expedite process to access your cash in a few minutes. Do I need to an ID to cash a check? Yes, you will need to bring an official government ID menu to cash a check in person. This ID can be a driver ’ second license, military ID or a recommendation.

Check cashing apps will likely require you to verify your identity when creating your account and before cashing your first check. After that, you should be able to cash checks without presenting your ID first. Can I cash a check instantly? local stores let you cash checks instantaneously. Apps like Ingo Money, PayPal and GreenDot offer instantaneous check cashing excessively but your fee can be between 1 % and 5 % of the hindrance sum. Can you cash checks at ATM machines? lone bank customers can cash checks at ATM machines. even then, the ATM must have that capability. These machines are normally located at the physical bank branches. other bank ATMs accept distant deposits but have a three-day reserve time period.

Most banks now offer mobile control sediment. This feature is complimentary and quicker than mailing your check to the bank or finding a local bank. If you ’ re making a mobile depository, make indisputable you check the “ Mobile Deposit ” box on the back of the check. Most newspaper checks nowadays include this box as an extra security measuring stick. You should besides write “ VOID ” across the determine once you ’ re sure that your lodge has cleared.

What to Look For When Cashing a check

Cashing a check is easier than writing a check. In most cases, you only have to sign the back to receive payment .
But, you should still verify several areas on the check mark front before you head to the bank. If any of the information below is faulty, the teller won ’ t cash your control .

pay to the Order Of…

Make sure the check is written in the name that matches your legal ID. alone the person whose name is on the check can cash it. If you want your spouse to cash your check, you need to open a joint bank score .
The narrator won ’ t necessarily reject your check if it doesn ’ t have your full legal name. For exemplar, if the see says John Doe but your driver ’ mho license says Jonathan, it ’ south acceptable .

Matching dollar Amounts

Each determine has two fields for the dollar measure. In one discipline, the issuer writes the arrest measure in numbers. This field is to the right of your name. On a $ 50 check, this box should read, $ 50.00 .
The moment check sum field is underneath the “ Pay to the arrange of ” field where your name goes. On a $ 50 check, this field reads Fifty and 00/100 Dollars .

The Check Issuer Signs the Check

Whoever writes the check must sign the check in the bottom right corner. Their key signature verifies the determine is active and legit .
Some places might only cash a see if it ’ mho been issued within the stopping point 180 days. Some checks flush state of matter to void the check if you don ’ metric ton cash it within 180 days. If a check is issued on January 1, you have 180 days from that sidereal day to cash it. For this case, you have until June 30 to cash your confirmation .
incorrect dates are most common in the new year for handwritten checks. Some businesses might “ future date ” the arrest and give it to you early. If payday is on the 15th but you get the check on the 12th, you must wait three days before cash .

Things to Remember When Cashing a Personal confirmation

There are a few things to remember the next time you cash a check:

  • You always need to bring a photo ID
  • Some locations won’t cash handwritten checks
  • Certain stores and banks charge more to cash a check than others
  • Most places have a daily redemption limit

For the most part, cashing a check in-person is highly easy .
This is true when you have a pre-printed check from one of these issuers:

  • Employers
  • Government Agencies
  • Your tax refund

All you need to do is sign your check and show a photograph ID calling card. You instantaneously receive the libra subtraction any cash fees .
Related: 15 Places to Get Cash for Coins

summary

When you need money now, cashing a check is an easy option. There ’ sulfur no dearth of options to cash a newspaper check locally. But, you will have to pay more at some places to cash your confirmation .
Going to the issuing bank can be the cheapest option, but other places cash checks for free excessively .

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