Where To Cash a Personal Check in [year]? 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.

Paper checks are still in use, despite the sea of change. There are a variety of reasons why you might need to locate locations where you can cash a personal check near me.

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 work done under the table 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.

What locations accept personal checks?

Short Answer: The best places to cash personal checks near me for free are your local bank, credit union, or the issuing bank. Personal checks written out to you can also be cashed at no cost by your employer or the firm you work for. If you’re prepared to wait, you may cash a personal check for free from the comfort of your own home using a mobile app like Ingo Money or NetSpend.

Nevertheless, you might wonder, what other options do you have for cashing a personal check if you don’t have a bank account?

On Sundays, Walmart provides easy check cashing services for a fee. Gas stations and travel centers, grocery stores, convenience stores, and check-cashing stores are all close options for cashing a personal check. If you don’t have a bank account, you can endorse a personal check to a buddy.

Best Places That Cash Personal Checks Near Me

During regular banking hours, the best venues to cash personal checks near me are banks and credit unions. Cashing a personal check at your local bank or the issuing bank is normally free, and because banks have larger check cashing limitations, you’ll be able to pay large checks.

Nevertheless, not everyone has access to a bank account. You need to cash a check on a weekend or at a time when the bank is closed. In this situation, you’ll need to locate a nearby grocery shop, smartphone apps, and other check cashing options.

Due to the danger of check fraud and insufficient money, you’ll be required to present a government-issued photo ID and your check cashing limitations will be lowered at grocery stores.

1. Local Bank or Credit Union

Your local bank or credit union is the best place to cash a personal check. Account holders get greater check cashing limits and free check cashing services. It implies you’ll get free fast access to the whole amount of your checks.

If your bank does not provide free check cashing as one of its account benefits, it’s time to transfer! Create a new account with a bank that provides free personal check cashing in your area.

You’ll be better serviced by a credit union if your location lacks a network of national bank branches. Credit unions outperform banks in several ways, including charging lower fees and requiring a lower minimum balance to keep your checking account active. You can keep your credit union account open with just a $5 minimum balance and avoid monthly checking account fees.

2. Issuing Bank

You may not have a bank account for some reason, or there are no bank branches nearby. In that case, the best place to cash a personal check near me is 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?

Non-customers are usually subject to different personal check cashing policies than consumers. If you aren’t a customer of the issuing bank, you will almost certainly be charged check cashing fees.

To cash a personal cheque at an issuing bank, a non-customer will normally pay the following:

  • $For checks under $50, there is no charge.
  • $For checks worth more than $50, add $7-$10 to the total.
  • $Regardless of the size of the check, the fee is $7.
  • 10% of the total amount of the check

Though uncommon, a few banks may load your cashed checks onto a prepaid chip-enabled 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 American Express gift card that has been activated that doesn’t expire, a debit card issued by a bank will expire. Alternatively, you can You can cash in on a gift card by selling it online.

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 accepts air mattresses for return., or Returning a TV from Walmart. 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 Money Services Center at Walmart 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?

You can cash the following types of checks at Walmart:

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

For checks up to $1,000, Walmart charges $4, and for checks over $1,000, it costs $8. You have the option of receiving cash or having the cheque amount placed onto a Walmart MoneyCard. The reload cost for the MoneyCard is waived in this circumstance.

What Checks Will Walmart Not Cash?

Third-party checks, personal checks, and MoneyGram money orders that were not purchased at a Walmart location will not be cashed.

4. Gas Stations and Travel Centers

Finding gas stations that accept personal checks is really convenient, whether you’re on a road trip or going on the highway. You can save gas and time by heading directly to a gas station to fill your car and cash a check instead of traveling to the bank.

estimates that there are about 115,000 gas stations in the US. You’ll find select Check-cashing gas stations 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 expressway’s travel centers. The following are the largest travel center chains:

  • Pilot Flying J
  • TravelCenters of America

It’s worth noting that each of their locations has its own check-cashing regulations, with only a handful accepting personal checks. Call beforehand to make sure their banking services are available.

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 check cashing locations that are open 24 hours a day 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 establishments do not accept personal checks for cashing to reduce the risk of loss. It’s also why grocery stores and other check cashing locations insist on seeing your government-issued photo ID. That enables them to pursue you if something goes wrong.

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 Get a $5 or $10 cash back reward.. You’ll need to ask the cashier about the maximum cash back you can receive before overpaying.

Check out our guide for the the shops that offer you the most money back.

These are a few food establishments in the area that accept personal checks:

  • Personal cheques up to $500 are accepted at Food Lion. The cost varies depending on the area.
  • Personal check up to $75 at Publix. Fees range from $3 to $6, depending on the amount of the check.
  • Personal checks up to $500 are accepted at Kmart. A charge of $1 or less is required.
  • Personal checks up to $50 are accepted at Market Basket. The cost is 1.25% of the amount of the check.
  • Personal checks up to $30 are accepted at Giant Eagle. The cost varies depending on the area.

Check cashing policies are determined by each store location. Costs and check cashing restrictions may differ depending on the business. Your best bet is to phone ahead and ask the financial services desk or the cashier.

See our guide about Publix accepts money orders and checks for cashing..

6. Convenience Store

Convenience stores aren’t banks, but they do strive to provide convenience to their consumers in everything from groceries to petrol. But, you’ll be hard pressed to find a convenience store that provides cash-checking services. 7-Eleven, on the other hand, is your best bet if you need to cash a check remotely.

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 amount will be added to your Transact prepaid MasterCard. The debit card can be used to make purchases online or in stores that accept 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 There are 17 locations that accept third-party checks.

How To Sign a Check Over to Someone?

To endorse a third-party check to a friend, follow these steps:

  • Pay to the order of X, where X is your friend’s name, on the top line.
  • On the second line on the back of the cheque, sign your name beneath this endorsement.
  • On the third line, your friend will sign their name.

Banks and other places that cash third-party checks have strict regulations for cashing endorsed checks to combat check fraud. When cashing it, certain banks may demand both you and your friend to be present with government-issued photo IDs. Some banking institutions may require you to fill out and sign a paper stating that you have endorsed the check and have your friend’s consent.

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 thrilled, keep in mind that such convenience does come at a cost. Check cashing stores should only be used as a last option. Instead of a fixed fee, they normally charge a percentage of the check amount. Fees as high as 30%-50% of the check balance are not uncommon.

Discover a check cashing location that is open 24 hours a day.

Whilst frequenting check cashing facilities is not encouraged due to their hefty costs, they may be your only alternative if you do not have a bank account.

Here’s a list of trustworthy cash-checking establishments that charge fair fees:

  • Financial Services available 24 hours a day, 7 days a week in PL$
  • Speedy Cash
  • Financial Service Centers in the Community
  • 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 give out $10, $20, and more.

See our guide on The Survival Advice During the Great Depression.

9. Check Cashing App

Are you looking for instructions on how to cash a personal check online? Check cashing apps such as Ingo Money, PayPal, NetSpend, and Green Dot let you cash a personal check without having to be a bank customer.

Ingo Money

is the most effective program for cashing personal checks and other sorts of checks online. Checks can be loaded onto a prepaid debit card, a PayPal account, an Amazon gift card, a credit card, or picked up in cash at a MoneyGram store. With Ingo Money, you may cash checks ranging from $5 to $5,000. Fees for Ingo Money are as follows:

  • $Handwritten checks under $100 are $5.
  • Handwritten checks worth more than $100 are subject to a 5% surcharge.
  • $Payroll and government checks under $250 are $5 pre-printed.
  • For checks worth more than $250 that are pre-printed, there is a 2% surcharge.


Ingo Money and First Century Bank have partnered to provide online check cashing services. The minimum and maximum check amounts are $5 and $5,000, respectively. Depending on the kind of check, fees range from 1% to 5% of the check balance. Each check has a $5 minimum charge.


is another check cashing tool that allows you to pay checks online. A prepaid debit card is loaded with the amount of the cheque. With basic check processing, there are no fees. For pre-printed payroll and government checks, expedited processing costs 2% of the check amount, while for handwritten checks, it costs 5%. All check types have a $5 minimum fee.

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 amount of money you can cash a check for varies from $5 to $2,500. The daily cap is $5,000, with a 30-day limit of $10,000.

10. Your Employer

When you have a long-standing working connection, your employer is more likely to deposit your paycheck without charge. You can also ask your employer if a check written out to you by a friend or family member can be cashed. It’s not a bad idea to inquire.

How Much Does It Cost To Cash A Check?

The cost of cashing a check is determined by the type of check, the amount, and the location. Banks, for example, offer free cash checking as one of their account benefits. Check cashing fees for non-customers can be as high as $7-$10 for checks worth more than $50 at a bank. Non-customers are not charged fees by all banks or credit unions. For checks worth less than $50, most banks charge no fees.

Expect to pay fees ranging from $4 to $8 when cashing a check at Walmart, depending on the amount of the check.

Free check cashing is also available through mobile finance apps. If you’re willing to wait ten days for your money, apps like NetSpend and Green Dot offer free standard cash checking services. When cashing checks through a mobile app, expect to pay a fee of 1% to 5% of the check amount.

For limited check cashing amounts, grocery retailers such as 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 a frugal living technique that can help you save a lot of money.

How Do You Cash a Check?

If you’re going to cash a check at a bank or a store, make sure it’s signed and endorsed correctly. Then give the cashier or teller the check and your government-issued ID. Your check will be processed and the money will be given over to you or placed into your account once they have verified your identity.

Make sure the check is properly endorsed before using a mobile app to pay it. Launch the app and take a picture of the front and back of the checks. To indicate where the money should be deposited, follow the app’s instructions. Then wait for the normal 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 hotel accepting cash payments.

How to Cash a Check Online Instantly?

Using your government-issued photo ID, travel to your local bank, the issuing bank, or supermarket retailers like Walmart to cash a check right away. You’ll get your money once the cashier confirms your identity and determines that there’s enough money to cover the check.

Mobile check cashing apps like Ingo Money, PayPal, GreenDot, and NetSpend allow you to cash a check instantly online from the comfort of your own home. Simply take a picture of the cheque and indicate where the funds should be sent. Then pay a 1% to 5% expedited processing fee to get it deposited within minutes.

Can You Cash a Personal Check with Insufficient Funds?

There are several scenarios that could occur if you do not have enough funds to cash a check but still attempt to do so. You will be unable to cash the check if you attempt to do so at the same bank as the endorser. This is due to the fact that the bank will be aware if there are inadequate cash.

If you do it with a separate bank, however, the bank will be unaware of the nature of the funds. After processing, this could result in penalties and other consequences. If the drawee bank is the same, bank executives may make an exception for long-term clients. This means that even if the bank manager knows the customer will have monies in their account very soon based on their transaction history, they will be allowed to conduct the transaction.

In most cases, however, if you conduct this transaction at your bank without sufficient funds, your check will bounce. The amount of the check will then be deducted from your account by the bank. You will also have to pay additional fees such as a returned check fee and an overdraft fee.

If there are no money in your account, third-party checks will not be cashed.

With cashiers checks, however, this is not the case. Checks from cashiers are treated as if they were cash. They are non-expirable, but if not cashed for more than five years, the government may take them. You can still cash these checks even if you don’t have enough money in your account.

What are the Consequences of Cashing a Bad Check?

Even if you were the victim of a fraud, you could face penalties if someone writes you a faulty check or a bogus check. As a result, you must ensure that the individual from whom you are receiving your check is someone you can trust.

The worst aspect is that, while your bank will initially deposit the funds, they will soon discover the check is a forgery. When this happens, you will be responsible for returning all of the funds, not the individual who wrote the check. Aside from that, you’ll have to pay additional fees on top of the total, such as penalties and fees for returned checks.

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

Scammers might use a variety of tactics to persuade you to cash fraudulent checks for them. If you are unsure about the origins of a check, you should never cash it or spend the money.

Someone telling you that you won a prize is one of the most common scams. You will receive a check, but you will need to give them money via the internet to cover any costs or taxes associated with the transaction. The award will be discovered to be a forgery, and you will lose a significant amount of money.

Some con artists will overpay you and demand that you reimburse the difference, which is another way for them to collect real money in exchange for their phony money. Mystery shopping offers are used by a number of internet scammers.

Do I Need An ID To Cash a Personal Check?

When cashing a check at a bank, credit union, or other check-cashing location, you will require a government-issued photo ID to prove your identity. Passports, military IDs, and driver’s licenses are examples of primary IDs that are commonly accepted. The safeguards are in place to prevent check fraud and ensure that no one else may impersonate them and cash stolen checks.

If you don’t have a government-issued ID, some places will let you use two secondary IDs to prove your identification, such as a student ID and a work 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 Personal checks can be cashed without a photo ID.

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.

Publix, Kmart, Food Lions, Big Eagle, and Market Basket are all excellent Walmart alternatives. As a last resort, consider Quick Cash, Community Financial Services Centers, Ace Check Express, Check into Cash, PAY OMATIC, and United Check Cashing, which are all located near you.

Can You Cash a Personal Check at an ATM?

Yes, you can cash a personal check at most Nearby ATMs that disburse $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.

Personal check deposits must be processed through the ATM. Remote deposits are accepted at some ATMs, but you’ll have to wait three days for your money to be available.

Most banks now offer free mobile check deposits as part of their online and mobile banking services. It’s more convenient than going to a local branch or mailing a check to the bank.

Best practices for mobile check deposit include requiring you to check the Mobile Deposit box on the back of the check and writing VOID on the back of the check once it has cleared.

What Makes Personal Checks Harder to Cash?

Personal checks are far more difficult to cash than government checks, salary checks, or checks that are pre-printed. In these situations, check cashing establishments and stores are significantly more vulnerable to risk.

This helps to explain why so many of them refuse to receive a personal cheque. Furthermore, some retail businesses have higher limits, and most of them do not allow customers to withdraw more than a few hundred dollars.

It’s best to start the procedure with your issuing bank if you wish to cash a personal check. If your bank does not provide personal check cashing services and your check is worth more than $1,000, you should obtain a money order from the person in charge.

Alternatively, a cashiers check can be requested. Now you know why it’s so tough to cash a personal cheque. The above-mentioned alternate techniques will assist you in avoiding any inconveniences.

Some Reputed Stores For Check Cashing

Check cashing stores may be the only alternative available to you at times. It is recommended that you choose those with a solid reputation.

Also, keep an eye on the costs they’ll charge you. Clearly, being duped and losing a large sum of money isn’t on your wish list!

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

Ace Check Express

Ace Check Express is a great place to cash personal checks. They’ll cash your check as long as you have a legitimate identification card with a photo on you.

You are allowed to carry any government-issued ID, including your driver’s license. Ace Check Express also cashes money orders, salary checks, insurance settlement checks, government checks, income tax rebate checks, and checks made payable to a firm in addition to personal checks.

Furthermore, no higher limit on the cashing amount has been indicated anywhere by this particular service provider. Hence, feel free to contact them about the situation and inform them of the amount you wish to send.

Recall that the service provider’s fees aren’t listed. Figure out how much you’ll have to pay. Ace Check Express is available in over 900 locations. As a result, finding a store close to you won’t be difficult.

Check Into Cash

Check into Cash is another well-known service provider, with over 1,000 locations across the country. They can assist you with a variety of financial services, including check cashing.

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

Remember that depending on the location and the amount you intend to cash, there may be upper limits on cashing. Aside from these two service providers, you might find some more local businesses willing to assist you with cashing personal checks.

Before going, though, make sure you do your homework on their reputation. To get a better understanding, look through reviews and contact the Better Business Bureau.

What Places Don’t Cash Handwritten Personal Checks?

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

Where to Cash a Personal Check Summary

Because there are no check-cashing costs at your bank or credit union, it is the best place to cash a personal check. If you don’t have access to a bank account or a branch, the issuing bank is your next best option. If you need to cash a check on Sunday or at an odd hour, consider Walmart and other grocery stores like Publix, Kmart, or Food Lion. Fees are assessed based on the total amount.

Do you want to cash a check from the convenience of your own home or on the go? Ingo Money, PayPal, NetSpend, and GreenDot are some of the top check-cashing smartphone apps.

The last option is to go to a check-cashing store. They charge excessive costs, and you should only go there if you have no other options. Asking your employer to cash a personal check for you or turning it over to a friend is a preferable option.

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

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