Where can I cash a personal check?

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When it comes to cashing a personal check, there are several options available. In this article, we will explore the different methods and provide a comprehensive guide on how and where to cash a personal check.


One of the most common methods of cashing a personal check is through a bank. Most banks will cash checks for their account holders, and some banks will cash checks for non-account holders for a fee. To cash a check at a bank, you will need to provide a valid ID and endorse the check. However, there are certain requirements that must be met before a bank will cash a check for a non-customer.

Firstly, there must be enough funds in the account of the person who wrote the check, known as the payer, to cover the check amount. If the payer’s account does not have sufficient funds, the bank will not cash the check.

Secondly, the person who is trying to cash the check, known as the payee, will be asked to provide a government-issued photo ID, such as a driver’s license, before the bank will cash the check. This is to verify the identity of the payee and ensure that the person presenting the check is authorized to do so.

Thirdly, the payee should expect to pay a fee to cash the check. This fee can be a percentage of the check amount, such as 1%, or a flat fee. Over time, these fees can add up, especially if the payee is cashing a check every week or every two weeks. For example, if a person gets paid 52 times a year and it costs $8 to cash each paycheck at a traditional bank where they don’t have an account, they will end up paying $416 in check-cashing charges for the year.

Additionally, there may be other hurdles to cashing a check at the issuing bank, such as limits on check amounts or refusal to cash two-party personal checks. It is also important to note that checks that are six months old or more might be declined.

Prepaid debit cards

If you don’t have a bank account or don’t want to pay the fees associated with check cashing stores, you can opt for a prepaid debit card. These cards allow you to deposit your check onto the card and use it like a regular debit card.

A prepaid debit card is a payment card that is not linked to a bank account but instead requires you to load money onto the card before you can use it for purchases or withdrawals. This type of card is often used by consumers who do not have bank accounts or who want to limit their spending to a specific amount of money.

One way to load money onto a prepaid card is by direct deposit, which allows you to have your paycheck or other income automatically loaded onto the card. Another option is to use a mobile app to take a picture of a check and load the funds onto the card, or to deposit the check at an ATM that is connected to the card network.

However, prepaid cards often come with fees that can add up quickly and eat into your balance. For example, the Walmart MoneyCard charges a fee for ATM withdrawals, balance inquiries, and a monthly fee unless a certain amount is direct deposited onto the card each month. Green Dot Prepaid Visa card also charges fees for ATM withdrawals, balance inquiries, and a monthly fee if a certain amount is not loaded onto the card each month.

Cash your check at a retailer (Walmart, Kroger, Publix)

Another option is to visit a retailer that offers check-cashing services. Some examples of retailers that provide this service include grocery chains like Kroger and Publix, as well as big-box stores like Walmart.

It is worth noting that Walmart does not typically cash handwritten checks. However, they will generally cash preprinted checks, payroll checks, government checks (including tax refund checks), cashier’s checks, insurance settlement checks, and 401(k) disbursement checks. Additionally, Walmart will cash two-party personal checks up to $200 in value. Walmart charges a fee of $4 to cash checks up to $1,000, a maximum fee of $8 for checks greater than $1,000, and a maximum fee of $6 for two-party checks.

Grocery chains like Kroger and Publix also offer check-cashing services, typically charging fees ranging from $3 to $6. These fees may vary depending on the location and the specific type of check being cashed.

It’s important to keep in mind that when you cash a check at a retailer, you’ll need to provide valid identification and may also need to provide additional information such as your social security number or phone number. Additionally, some retailers may place limits on the amount of the check that can be cashed or may have specific requirements regarding the type of check that can be cashed.

Check cashing stores

Check cashing stores are another option for cashing personal checks. These stores specialize in cashing checks, and they typically charge a fee for their services. To cash a check at a check cashing store, you will need to provide a valid ID and endorse the check.

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Check-cashing outlets are often the most expensive places to cash checks. In addition to charging a fee, some check-cashing outlets require customers to become members or purchase check-cashing ID cards before they can cash their checks. These additional fees can quickly add up and result in customers paying significantly more than they would at a traditional bank.

The fees charged by check-cashing outlets can vary, but typically range from 1 percent to 12 percent of the face value of the check. Some businesses also charge a flat fee in addition to the percentage. The majority of checks cashed at these outlets are payroll checks and government benefits checks.

According to the Consumer Federation of America, the national average fee for cashing a check at a check-cashing outlet is 4.1 percent. So, for example, if a person were to cash a $500 check, the fee would be $20.50. If this was a weekly paycheck, that person would end up paying $1,066 in check-cashing fees for a year.

Aside from the high costs, there is also a risk of deceptive practices at check-cashing outlets. The Better Business Bureau warns of scams where customers are contacted by someone claiming to represent the check-cashing store and offered a loan. The caller then requests payment to secure the loan, but the loan is never received and the customer is scammed out of their cash.

Overall, check-cashing outlets are best avoided if possible, and traditional banks or credit unions should be used instead. These financial institutions typically offer lower fees and provide additional services such as savings accounts, loans, and financial advice.

Mobile check deposit

Many banks and credit unions now offer mobile check deposit, which allows you to deposit your check using your smartphone. To use this service, you will need to download your bank’s mobile app and follow the instructions to deposit your check.

Tips for Cashing Personal Checks

Endorse the check

Before you can cash a personal check, you will need to endorse it. This means signing the back of the check and providing your account number (if applicable).

Verify the check

Make sure the check is valid and not fake. Look for any signs of alteration, such as crossed-out words or numbers, and make sure the check is not post-dated.

Check the fees

If you are cashing a check at a check-cashing store or using a prepaid debit card, make sure you understand the fees associated with the service.

How do I cash a personal check instantly?

If you have a personal check that you need to cash and you want to get the money quickly, the best option is to take the check to the bank or credit union where the check writer has their account. This is because that bank or credit union has access to the funds needed to cover the check, and they can verify the check’s authenticity and the check writer’s account information.

To cash the check, you will need to endorse it on the back by signing your name. Then, you will need to present the check and a valid form of identification, such as a driver’s license or passport, to a teller or bank representative. They will verify the information on the check and your ID, and then they can give you the cash immediately.

It’s important to note that some banks may charge a fee for cashing a check if you do not have an account with them. Additionally, if the check writer’s account does not have sufficient funds to cover the check, it may bounce, which could result in fees or legal consequences for both you and the check writer. So, it’s always a good idea to make sure the check is legitimate and that the check writer has enough funds before attempting to cash it.

Does Walmart cash personal checks?

Walmart offers a check cashing service for personal checks. Simply visit the Walmart Money Services desk or customer service desk to cash your personal check. Walmart typically charges a small fee for this service, and you may be required to provide a valid form of identification, such as a driver’s license or passport. It’s always a good idea to confirm the specific requirements and fees with your local Walmart store before attempting to cash a personal check.

How long does a personal check take to cash?

In general, personal checks can take one to two business days to clear. However, there are some situations in which the check may be held for a longer period of time. This can occur if the deposit amount is large or if the check is an international one. It’s important to review your bank’s policies regarding check hold times so that you know what to expect. This can help you plan ahead and avoid any unexpected delays or issues.

The bottom line

Cashing a personal check can be a simple process if you know what to do. By understanding the different methods of cashing checks and following the tips provided in this guide, you can cash your check with ease. Remember to always verify the check and check the fees associated with the service you choose.