Where can you cash a check?

Cashing a check is a straightforward process, but if you're new to it or want to change your usual routine, knowing where you can go to cash a check can save you time and money. 

Traditional banks and credit unions

If you have an account with the institution that the check is drawn on, you can usually cash the check for free. Even if you don't have an account, these institutions might cash the check for a fee, especially if it's one of their own checks.

Be a financially smart family!

Be a financially smart family!

From saving for the future to understanding credit, see how families are thriving with Greenlight.

Try Greenlight today

Check-cashing stores

Ever seen those signs for “Checks cashed here”? These businesses specialize in cashing checks if you don’t have a bank account or need faster cash than your financial institution can provide. However, be prepared to pay for the convenience. Check-cashing stores typically charge a percentage of the check amount as a fee, which can add up if you're cashing a large check or multiple checks over time. Percentage fees can also vary by check type or service, sometimes reaching upwards of 10%.  

Retailers

Several large retailers offer check-cashing services at their customer service desks. Walmart, for example, cashes payroll checks, government checks, tax checks, and more for a small fee. Grocery stores are another option. Fees and the types of checks they will cash vary, so it's a good idea to call ahead.

Prepaid cards

Some prepaid debit cards also offer check-cashing services. You can deposit your check directly onto your prepaid card, often using a mobile app. While this method puts the funds directly in your hands much like cash, be aware of any associated fees for mobile check deposit or monthly account maintenance.

Apps and online services

With advancements in technology, cashing a check doesn’t even require you to leave your house. Mobile banking apps often allow you to deposit checks directly into your bank account by taking a photo of the check. There are also specific apps designed for cashing checks that can deposit funds into a linked bank account, prepaid card, or digital wallet. Again, watch out for any service fees.

Tips for cashing checks

1. Bring identification: You’ll typically need a valid, government-issued ID to cash a check.

2. Be aware of fees: Understand how much it will cost you to cash the check at different locations.

3. Consider opening a bank account: Many banks offer free check cashing for account holders.

Understanding your options for where to cash a check can help you access your money in a way that's convenient and cost-effective for you. Whether you choose a traditional bank, a retailer, or an online service, knowing the fees, requirements, and timing can make the process smoother.

This blog post is provided "as is" and should not be relied upon as a substitute for professional advice. Some content in this post may have been created using artificial intelligence; however, every blog post is reviewed by at least two human editors.