Where To Cash a Personal Check in 2022? 10+ Best Places (Some Free!) Near Me

Technology has revolutionized the banking sector drastically over the past years. Today, there are more payment options than ever, from PayPal, Venmo, direct deposits, cheap money orders, banking apps, and mobile payment options like Google Pay, Apple Pay, among others. To some extent, the world is going cashless.

The use of paper checks continues despite all the changes. There are a variety of circumstances in which you might need to locate personal check cashing services nearby.

For instance, you’re in the gig economy, and your employer makes out a paper check to you on Sunday. You’ll need to find places that cash personal checks on Sunday. Maybe you receive a birthday gift from your grandparents or undercover employment in the form of a paper check. To enjoy the perks, you may want to find the best place to cash a personal check to reduce check-cashing fees.

Which locations accept personal checks?

Short Answer: The best free locations to cash personal checks near me are at your neighborhood bank, credit union, or issuing bank. You can also cash personal checks written out to you at no additional cost at your workplace or the business you work for. If you don’t mind waiting, you may also cash a personal check for free from the comfort of your home using a mobile app like Ingo Money or NetSpend.

What alternatives are there, though, to cashing a personal cheque without a bank account?

On Sundays, Walmart charges a fee for their convenient check cashing services. Nearby grocery stores, convenience stores, petrol stations, and check-cashing businesses provide other venues to cash personal checks. In the event that you don’t have a bank account, you can also endorse a personal check to a friend.

Best Places That Cash Personal Checks Near Me

The best places to cash personal checks close to me during regular banking hours are banks and credit unions. You can cash large checks because banks have higher check cashing limits, and it’s typically free to cash personal checks at your neighborhood bank or the issuing bank.

Nobody, however, has a bank account. During the weekend or at a strange hour when banks are closed, you need to cash a check. In this situation, you’ll need to locate a nearby food shop, smartphone apps, and other check cashing.

You will be required to have a government-issued photo ID and be subjected to lower check cashing limitations at food stores due to the risk of fraud and inadequate money associated with checks.

1. Local Bank or Credit Union

The local bank or credit union closest to you is the best place to cash a personal check. They provide account holders with increased check cashing limits and cost-free check cashing services. This implies that you will have free rapid access to the sum of your checks.

It’s time to switch banks if one of your bank’s benefits for account members is free check cashing. Create a new account that provides free local personal check cashing services.

You’ll be better off using a credit union if your neighborhood doesn’t have a network of national bank branches. Credit unions outperform banks in one area, as they impose lesser fees and need a lower minimum balance to maintain your checking account’s activity. You can keep your account open at a credit union without paying any monthly checking account fees as long as you maintain a $5 minimum balance.

2. Issuing Bank

You might not have a bank account for some reason, or there might not be any nearby bank branches. In such situation, the ideal location for me to cash a personal check is at the issuing bank.

You’ll find the issuing bank’s name printed at the bottom of the check above the memo line. Say the check was made out at JPMorgan Chase Bank or Wells Fargo, and there’s a branch in your area. Simply bring the check to the cashier along with your government-issued photo ID to verify your identity.

The cashier will check the account balance to ensure that you aren’t cashing a personal check with insufficient funds. If the account balance is sufficient to cover the check, it’ll be processed. The advantage of bringing the check to the issuing bank is that you’ll be able to access higher cashing limits and face lower fees, if any. Of course, don’t expect anyone to cash one for six figures!

How Much do Issuing Banks Charge to Cash a Check?

For non-customers, banks typically have separate personal check cashing rules. If you aren’t a client of the issuing bank, you’ll probably have to pay check cashing costs.

The following fees are commonly paid by a non-customer to cash a personal cheque at an issuing bank:

  • $0.01 for checks under $50
  • $checks over $50 cost $7 to $10.
  • $Regardless of the check’s value, each check costs $7.
  • 10% of the amount on the check

Though uncommon, a few banks may load your cashed checks onto a prepaid Chipped debit card. Such prepaid cards usually have an expiration date and may carry monthly maintenance fees. Make sure you use the proceeds before the expiration date!

Unlike an active gift card for American Express that doesn’t expire, a debit card issued by a bank will expire. Alternatively, you can Online gift card exchange for cash.

3. Walmart Check Cashing Services

If you are looking for a place to cash a check on Sunday or at an odd hour, Walmart is your best bet. It’s also a great place to cash a check when shopping for groceries, Walmart air mattress exchange, or filing a return for a Walmart TV. You’ll find most Walmart locations are open as late as 10 pm or 11 pm. There were many 24-hour Walmart stores before the covid-19 pandemic hit.

Check cashing services are performed at the Center for Walmart Money Services or the customer service desk near the entrance. To cash a check at Walmart, visit during normal Walmart store hours and your ID to the financial services counter.

If the money services desk isn’t open, present the check to the cashier. The cashier may have a lower check cashing limit vs. the service counter. Per The check-cashing policy at Walmart, the personal check-cashing limit is $200, while the daily limit for other check types is $5,000 or $7,500 during the tax months-January to April.

What Types of Checks Does Walmart Cash?

Checks of various types that you can cash at Walmart include:

  • Payroll
  • Pre-Printed
  • Government
  • Stimulus check
  • Cashiers
  • Tax
  • Retirement and 401(k) payments
  • MoneyGram money order
  • Insurance settlement checks

For checks up to $1,000, Walmart charges $4; for checks beyond $1,000, it costs $8. You have the option of getting your check’s profits in cash or having them put on a Walmart MoneyCard. The MoneyCard reload fee is not charged in this situation.

What Checks Will Walmart Not Cash?

Walmart won’t accept third-party checks, personal checks, or money orders from MoneyGram that weren’t initially bought there.

4. Gas Stations and Travel Centers

Finding petrol stations that cash personal checks is such a convenience, whether on a road trip or while driving on the highway. Going immediately to a gas station to fuel your car and cash a cheque at the same time can save you time and petrol compared to going to the bank.

estimates that there are about 115,000 gas stations in the US. You’ll find select fueling stations accepting cheques from our related article. But due to the risk of fraud associated with personal checks, most gas stations will not accept handwritten checks, government, or employer checks.

The best petrol stations that accept personal checks are located along the freeway. The biggest chains of travel centers are:

  • Pilot Flying J
  • TravelCenters of America

Keep in mind that each of their locations has different check cashing rules, and only a select few locations accept personal checks. To be sure they offer financial services, give them a call in advance.

5. Grocery Stores

You won’t find many grocery stores that cash personal checks, but if you are lucky to find one nearby, they are among the top locations for 24-hour check cashing to do it at an odd hour or during weekends when banks are closed.

Generally, finding grocery stores that cash personal checks is a hit-and-miss game. The top reason is that you may be cashing a personal check with insufficient funds. Unlike banks, grocery stores have no way of establishing whether the account balance is sufficient to cover the check amount. Check fraud is even more difficult to detect than using a credit card that was stolen.

Most grocery businesses don’t offer personal check cashing in order to reduce the danger of loss. Additionally, it’s the main justification for why check cashing businesses like grocery stores demand a government-issued photo ID. In the event that something happens, it enables them to pursue you.

As such, only a few grocery stores cash personal checks. But in most cases, grocery stores allow you to overpay for purchases with a personal check and receive $5 or $10 in cashback.. You’ll need to ask the cashier about the maximum cash back you can receive before overpaying.

Check out our guide for the stores with the highest cash-back rates.

These are a few neighborhood supermarkets that accept personal checks:

  • Up to $500 in cashier’s checks at Food Lion. Location-specific fees apply.
  • Up to $75 can be paid at Publix with cash. Fees range from $3 to $6 depending on the check amount.
  • Up to $500 in personal checks at Kmart. Fee of $1 or less.
  • Up to $50 in personal checks at Market Basket. The cost is 1.25% of the value of the check.
  • Up to $30 in personal checks at Giant Eagle. Location affects fees.

Check cashing regulations are set by each individual store location. From one store location to another, fees and check cashing limits might be different. Calling the financial services desk or asking the cashier in advance is your best option.

See our guide about Check cashing and money orders at Publix.

6. Convenience Store

Although convenience stores aren’t banks, they are constantly focused on providing convenience to their consumers, whether it be with groceries or petrol. Nevertheless, it’s uncommon to come across any convenience stores that provide cash checking services. The greatest option, though, if you need to cash a check remotely, is 7-Eleven.

First, you’ll need to get a 7-Eleven prepaid MasterCard where you can immediately load your cashed checks. Next, download and install the . Then, open the app and use your smartphone to take a photo of your check.

Within 48 hours, your check will be processed, and the funds will be added to your Transact prepaid MasterCard. The debit card can be used to make purchases in-person or online at merchants that take MasterCard prepaid debit cards.

7. Endorse Personal Check To a Friend

Consider signing the check over to a friend. When you endorse a check made out to you to another person, it becomes a third-party check. Third-party checks can be cashed at one’s own bank, credit union, or any of these 17 locations accept checks from third parties.

How To Sign a Check Over to Someone?

To endorsing a friend’s check from a third party, adhere to following steps:

  • Put Pay to the order of X—your friend’s name—on the top line.
  • On the second line of the check’s back, write your name underneath this endorsement.
  • On the third line, your friend will then sign their name.

Banks and other businesses that cash third-party checks have stringent rules for cashing endorsed checks in order to combat check fraud. You and your friend may need to be present at the bank to cash it, together with your government-issued photo IDs. Some banking institutions might ask you to fill out and sign a paper stating that you have your friend’s authorization and have endorsed the check over to them.

8. Check Cashing Stores

A Google search will probably bring you to check cashing stores or payday/title loan companies. According to , around 4,400 check cashing and payday loan servicing businesses are across the US. The places cash all types of checks, including personal checks and handwritten checks.

Before you get too enthused, be aware that such ease costs money. Check cashing services should only be used as a last option. Instead of charging a set fee, they typically charge a percentage of the check’s value. Don’t be shocked if you have to pay fees that are 30% to 50% of the cheque balance.

Locate a 24-hour check cashing facility that is nearby.

Although frequenting check cashing establishments is not advised due to their hefty costs, they can be your only choice, particularly if you don’t have a bank account.

Here is a list of a few trustworthy cash checking locations that charge fair fees:

  • 24/7 Financial Services in PL$
  • Speedy Cash
  • Centers for Community Financial Services
  • United Check Cashing
  • Ace Check Express
  • Check into Cash

They usually offer financial services, including fax services, get notary services, get copies, and ATMs that can give out $10, $20, and more.

See our guide on The Survival advice for the Great Depression.

9. Check Cashing App

Do you have any questions about cashing personal checks online? Ingo Money, PayPal, NetSpend, and Green Dot are a few examples of checking cashing apps that let you cash personal checks online without using a bank account.

Ingo Money

is the best program for online personal check cashing and check kinds in general. Checks can be loaded onto a PayPal account, an Amazon gift card, a credit card, a prepaid debit card, or cash picked up at a MoneyGram store that accepts the payment. Using Ingo Money, you may cash checks from $5 to $5,000. Fees for Ingo Money are as follows:

  • $5 for checks written by hand under $100
  • 5% for checks made by hand over $100
  • $Pre-printed payroll checks and government checks up to $250 cost $5.
  • 2% on pre-printed checks that are more than $250


provides online check cashing services in collaboration with First Century Bank and Ingo Money. The minimum and maximum check amounts are $5 and $5,000, respectively. Depending on the type of check, fees might be anywhere from 1% to 5% of the total amount. Every check, there is a $5 minimum charge.


is a different online check-cashing app that facilitates check cashing. A prepaid debit card is loaded with the check’s value. Processing of basic checks is free of charge. For pre-printed payroll and government checks, expedited processing fees are 2% of the check amount; for handwritten checks, the fee is 5%. The minimum charge for all check types is $5.

Green Dot

A prepaid card lets you can reload checks onto the card using its mobile app. It’s fee-free if you are willing to wait for a 10-day standard processing period. Expedited processing fees cost 1% for government, payroll, and stimulus checks and 4% for handwritten checks.

The per-check check cashing limit ranges from $5 to $2,500. $5,000 is the daily cap, and you can spend up to $10,000 in a month.

10. Your Employer

Since you and your employer already have a working relationship, it is more likely that they will cash your paycheck for no additional charge. Moreover, you might inquire with your employer about cashing a check that a friend or relative has written out for you. It doesn’t harm to inquire.

How Much Does It Cost To Cash A Check?

The kind of check, the amount, and the location all influence how much cashing a check will cost. For instance, one of the benefits that banks offer to account holders is free cash checking. However, check cashing fees at a bank for non-customers can be as high as $7 to $10 for checks over $50. However, not all banks and credit unions impose fees on visitors. With checks for $50 or less, the majority of institutions charge nothing.

Depending on the check amount, costs for cashing a check at Walmart can range from $4 to $8.

Apps for mobile fintech also provide amazing options for free check cashing. If you don’t mind waiting ten days to get your money, apps like NetSpend and Green Dot offer free regular cash checking services. Instead, when cashing checks through a mobile app, be prepared to pay a fee of 1% to 5% of the check amount.

For small check cashing sums, grocery retailers like Big Eagle, Kmart, and Publix levy fees ranging from $1 to $6.

As you can see, fees vary based on the place. Check-cashing stores are the most expensive places to cash checks, and you should only consider them as your last resort. Finding a cheaper alternative is a An important strategy for being frugal that will help you save money.

How Do You Cash a Check?

Make sure the check is properly signed and endorsed before cashing it at a bank or retailer. After that, give the cashier or teller your government-issued ID and the check. Your check will be processed and the money will be given to you or placed into your account once they have confirmed your identity.

Make sure the check is properly endorsed before using a mobile app to pay it. Launch the app, then snap a photo of both the front and back of the checks. To specify where the money should be deposited, go to the instructions provided by the app. then wait for the typical processing time.

Once the check clears, you’ll receive the money or pay a fee for expedited processing to receive the cash immediately. Maybe you need the money quickly for a a motel that accepts cash.

How to Cash a Check Online Instantly?

Visit your neighborhood bank, the bank that issued the check, or food retailers like Walmart with your government-issued photo ID to promptly cash a check. You’ll get your money as soon as the cashier can confirm your identity and determine that there is enough money in the register to cover the check.

With mobile check cashing applications like Ingo Money, PayPal, GreenDot, and NetSpend, you can also cash a check instantly online while relaxing in the comfort of your own home. Just snap a photo of the check and specify where you want the funds to go. Then pay a 1% to 5% expedited processing fee to get it deposited right away.

Can You Cash a Personal Check with Insufficient Funds?

There are several outcomes that could occur if you attempt to cash a check even though you do not have the money to do so. You won’t be allowed to cash the check if you try to do so at the same bank as the endorser. This is because the bank will be aware that not enough money is accessible.

If you do it at a separate bank, the bank won’t be aware of the type of funds, nevertheless. After processing, this can result in fines and other negative effects. Bank managers might make an exception for devoted clients if the drawee bank is the same. Accordingly, the bank manager will still be permitted to process this transaction if they have reason to believe the person will soon receive funds into their accounts based on their past transactions.

However, your check will typically bounce if you attempt to complete this transaction at your bank without sufficient funds. The bank will then take the check’s value out of your account. You will also be responsible for additional charges like an overdraft fee and a fee for a returned check.

If there are no funds in your account, third party checks are not cashed.

Cashiers checks, however, are an exception to this. Cashier’s checks are handled similarly to cash. They do not expire, but if they are not cashed for more than five years, the government may take them. Yet, even if your account doesn’t have enough money to cover the check, you can still cash it.

What are the Consequences of Cashing a Bad Check?

Even if you were the victim of a scam, you could still be charged if someone writes you a bad check or a fake check. You must therefore be certain that the individual from whom you are receiving your check is someone you can trust.

Even if your bank will initially deposit the money, the worst part of this is that they will eventually discover that the check was a forgery. If this occurs, you will be responsible for returning all of the funds, not the individual who drew you the check. In addition to this, you will also be required to pay additional fees on top of the sum, such as fines and check return fees.

What are Some Common Fake Check Scams to Look Out for?

Scammers might convince you to cash phony cheques for them in a number of ways. If you are unsure about the check’s origin, you shouldn’t cash it or use the money.

One of the most typical con games is when someone claims you’ve won something. Although you’ll get a check, you’ll need to pay any associated fees or taxes online before you can receive your check. You’ll lose a lot of money because the prize will turn out to be fake.

Another technique scammers use to exchange real money for their phony money is to overcharge you and demand that you reimburse the difference. Several online scammers also incorporate mystery shopping offers.

Do I Need An ID To Cash a Personal Check?

In order to authenticate your identity while cashing a check at a bank, credit union, or other check-cashing location, you will require a government-issued photo ID. Passports, military IDs, and driver’s licenses are examples of primary IDs that are frequently accepted. By making sure that no one else can use their identity to cash stolen checks, the measures are intended to reduce check fraud and protect customers.

Some places will let you use two additional IDs, such as a student ID and an employment ID, to prove your identification if you don’t have a government-issued ID.

Some Mobile apps only require you to verify your identity when creating the account and cashing your first check. From there on, you should be able to without a valid ID, cash personal checks.

Where to Cash a Personal Check on Sunday?

Walmart is your best bet if you want to cash a check on a Sunday. The good thing is live within 15 miles of a Walmart store. Most stores operate seven days a week from 7 am to 10 pm or 11 pm.

Walmart’s competitors in the grocery industry include Publix, Kmart, Food Lions, Giant Eagle, and Market Basket. Consider visiting a local Quick Cash, Community Financial Services Center, Ace Check Express, Check into Cash, PAY OMATIC, or United Check Cashing location as a last resort.

Can You Cash a Personal Check at an ATM?

Yes, you can cash a personal check at most Nearby ATMs that can give me $5, $50, or $100. You must be a bank customer to deposit a personal check at any of its branches. That means you can’t deposit checks via out-of-network ATMs.

The ATM must be able to handle deposits made with personal checks. Certain ATMs will accept remote deposits, but you’ll need to wait three days for your money to become available.

Most banks now provide free mobile check deposits because to the development of internet and mobile banking. That is quicker than mailing your check to the bank or going to a nearby branch.

The best practices for mobile check deposits call for you to check the Mobile Deposit box on the back of the check and to write VOID on the back of the check once it has cleared.

What Makes Personal Checks Harder to Cash?

Personal checks are much more difficult to cash than government checks, payroll checks, or checks that are pre-printed. In these situations, the check cashing businesses and establishments are far more at danger.

This explains why a large number of them won’t take a personal check. However, some retail establishments have upper limit limits, and the majority of them don’t permit customers to cash checks for more than a few hundred dollars.

It is advised to start the process with your issuing bank if you want to cash a personal check. If the check is worth more than $1,000 and your bank doesn’t offer personal check cashing services, it’s best to ask the person in charge to give you a money order.

You can also ask for a cashier’s check as an alternative. You now understand why it’s challenging to cash personal cheques. You can prevent any issues by using the alternate ways indicated above.

Some Reputed Stores For Check Cashing

Sometimes, the check cashing businesses may be your only choice. It is advised that you choose those who have a solid reputation.

Watch out for the fees they’ll charge you as well. Clearly, losing a significant sum of money to fraud isn’t on your desire list!

Here are two of the top places to cash checks based on reputation and fees:

Ace Check Express

One good choice for personal check cashing is Ace Check Express. They will easily pay your cheque as long as you have your legitimate identification card with a photo on it.

You may possess any government-issued ID, including your driver’s license. Ace Check Express also accepts money orders, salary checks, insurance settlement checks, government checks, checks for income tax refunds, and checks payable to a business in addition to personal checks.

Also, this specific service provider hasn’t made any reference of a maximum payout amount anywhere. Therefore, feel free to discuss the issue with them and specify the transfer amount.

Keep in mind that the service provider does not disclose its fees. Learn how much you need to spend. Ace Check Express is available in more than 900 locations. Finding a store close to you won’t be difficult as a result.

Check Into Cash

Another well-known service provider is Check Into Cash, which has more than 1,000 locations spread across the country. They may assist you with a variety of financial services, such as check cashing.

Check Into Cash also accepts government checks, printed or handwritten payroll checks, tax return checks, money orders, insurance checks, and cashiers checks in addition to personal checks.

Keep in mind that depending on the location and the amount you wish to cash, there can be maximum amounts that can be cashed. In addition to these two service providers, there may be additional nearby businesses willing to assist you in cashing personal checks.

Therefore, before moving forward, be careful to look into their reputation. To obtain a better sense, it would be useful to read reviews and visit the Better Business Bureau.

What Places Don’t Cash Handwritten Personal Checks?

The following businesses do not cash handwritten personal cheques to prevent risk:

Where to Cash a Personal Check Summary

The best place to cash a personal check is at your bank or credit union because there are no check-cashing fees involved. Your next-best option is the issuing bank if you don’t have a nearby bank account or branch. If you need to cash a check on a Sunday or at odd hours, think about Walmart and other grocery stores like Publix, Kmart, or Food Lion. Depending on the total, fees may be assessed.

Do you prefer to remotely cash a check while you’re at home or out and about? The top mobile apps for cashing checks are Ingo Money, PayPal, NetSpend, and GreenDot.

The final option is to go to a check-cashing business. You should only use them as a last resort because of their excessive prices. You’re better off giving a personal cheque to a buddy or asking your company to cash it for you.

Paying the lowest fees is a start on $10,000 annually in savings, per our article.

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