13 Best Places To Cash Personal Checks


Are you looking for a place to cash your personal checks?

With online banking and other forms of payment, it is not as common as it used to be to get a personal check as payment.

As a result, you might not know where to go to cash the check.

This is especially true if you don’t have a bank account.

In this post, I share with you the 13 best places to cash a personal check.

13 Best Places To Cash Personal Checks

#1. Your Bank

best places to cash personal checks

The most obvious and best way to cash a check is with your own bank.

Since you have a banking relationship with them, they will cash or deposit checks into your account for you, with no fee charged.

And they will give you instant access to the cash.

The added benefit here is if you don’t feel like going to your local branch, most banks now offer mobile deposit as well.

Simply download your banks app, take a picture of both the front of the check and the back of the check and submit it.

Depending on the amount of the check, the money will be made available immediately or in a few business days.

#2. Issuing Bank

If you don’t have a bank account, you can take the check to the bank it was issued from and cash it there.

So if your friend gave you a personal check and they bank with Wells Fargo, you can go to a local Wells Fargo branch and present the check to be cashed.

You will need to bring valid photo ID with you and most banks now charge a fee for this service.

You will have to check with the bank to see what their check cashing fee is.

#3. Walmart

Many people who are unbanked rely on Walmart Check Cashing services.

The fee for check cashing is $4 per check up to $1,000 and $8 for each check greater than $1,000.

The daily check cashing limit is $5,000 from May through December and is raised to $7,500 for January through April.

This is done to help people who are getting money around the holidays and tax refunds.

Note that Walmart limits the amount it will cash personal checks for.

As of this writing the limit on these checks is $200.

You can get cash or have the money put onto a Walmart MoneyCard.

While the MoneyCard is a nice feature, there is a reload fee charged when adding money.

However, this fee is waived for government checks and some payroll company checks.

#4. Gas Stations

You wouldn’t think to cash a check at a gas station would you?

I certainly wouldn’t, but you can.

The catch is most gas stations no longer offer this service.

The ones that due tend to be the travel centers you see dotted along the interstate.

And not all of these provide this service, so you will have to call ahead.

The fees vary by location, so this is something else you will have to verify.

Additionally, you will want to know the kinds of checks they cash.

Some will cash personal checks, while others will only cash government and payroll checks.

And while you are verifying this, ask about free check cashing.

In some cases, they will waive the fee if you buy fuel within a certain amount of time after cashing your check.

#5. Grocery Store

Many grocery stores offer money order and check cashing services.

But just because your local grocery store offers money orders, it doesn’t mean they will cash checks.

And if they do accept checks, they typically only take pre-printed checks like government checks, payroll checks, and cashier checks.

The fees vary by store and can be a flat dollar amount or a percentage of the value of the check.

Be sure to ask if there are ways to waive this fee.

Some grocery stores will not charge a fee if you put the money onto a store gift card.

#6. 7-Eleven

One of the most convenient options is Transact by 7-11.

To cash your checks, download the app and take a picture of it.

Your money will be available to you within 48 hours and is deposited onto a reloadable 7-11 prepaid card.

This card is a debit card and can be used anywhere MasterCard is accepted.

Seeing as there are over 9,500 7-Eleven stores throughout the United States, chances are there is one near you.

#7. Convenience Store

Many convenience stores also cash checks and money orders.

This can be great for those who do not have a bank account or need to deposit their check right away.

The rates vary by location, but tend to be $0.50 per $100 cashed up to as much as $20 depending on the amount of your check and where you live.

Many of the larger chains such as Wawa and QuikTrip do not offer check cashing services or they only cash payroll checks.

But there are plenty of others that do offer this service.

#8. Endorse To A Friend

Another option to cash a personal check is by endorsing it over to your friend.

This is known as a third party check, since you sign it over to a third party.

If you do this, the person you sign it over to can take the endorsed check and cash it themselves at their bank.

This is definitely one of those cases where you need a little trust in your relationship as they now have the legal right to the money.

But if you trust them, this could be a simple solution to cashing checks.

Note that some banks will not cash third party checks and others that do will require you to be at the bank with your friend.

In some cases, you might have to complete a form as well.

The bottom line, if you plan on doing this option, call the bank ahead of time so you know what to expect.

#9. Check Cashing Store

These aren’t as popular as the other methods listed, but they are an option nonetheless.

There are many check cashing stores all over the country, with some being Money Mart, Ace Cash Express, and Check Into Cash Stores.

The fee is a percent of the amount of the check and this fee varies by state.

Most are between 2% and 3%, which is a lot of money for higher value checks.

For example, if you cash a payroll check of $1,500 the 3% fee is $45.

This should be a last resort if you don’t have a checking account or any of the other options in your area because of the high fees.

#10. Use PayPal

While most people are familiar with PayPal for sending money electronically, many don’t know you can cash checks too using their mobile deposit feature.

If you have a PayPal account, simply chose the Cash A Check feature in your account.

Then take a picture of your check and the money will be deposited into your account.

You can then use a PayPal Cash Card, which is a debit card, to spend the money, or keep the cash in your account.

If you are cashing a payroll check or a government issued check, like tax refund checks, the fee is 1% with a minimum fee of $5.

If you are cashing other types of checks, the fee is 5% with a minimum fee of $5.

#11. Use A Check Cashing App

There are a number of check cashing apps available as alternatives to PayPal.

As with PayPal, you take a picture of the front and back of your check and the funds will be deposited into your account within 24 hours.

The fees for these programs vary from free to $25 per transaction depending on how much money you need to cash.

#12. Prepaid Debit Cards

This is a newer option that many banks have recently began rolling out.

They know many Americans are underbanked or don’t use a traditional bank.

As a result, they now offer prepaid card accounts.

These are basically bare bones checking accounts that charge a monthly fee, usually around $5 a month.

The benefit is you can use the mobile deposit for your checks or deposit checks at a branch owned ATM machine.

When the check clears, the money will be loaded onto a prepaid debit card for you.

#13. Your Employer

Did you know your employer can cash checks for you?

While they can, most don’t because of the strict regulations.

But if your employer does, this is a great way to avoid the fees that many other places charge.

Just note that the only type of check your employer might cash is government issued checks and not personal checks.

And if they do cash personal checks, there will be a limit on the value of it, usually less than $1,000.

Frequently Asked Questions

frequently asked questions

How do you cash a check?

To cash paper checks, simply turn it over and endorse it.

This is a fancy way of saying sign the check.

Then you can take it to any place that cashes checks to get the money or deposit it into your account.

In some cases, you might need to bring ID with you.

How much does it cost to cash a check?

The fee for cashing a check varies.

If you present the check to the bank where you have an account, there is no fee.

If you take the check anywhere else, the fee varies.

It can be a flat dollar amount or a percent of the value of the check, like 5% for example.

Do I need an ID to cash a check?

If you are not cashing a check at your local bank where you have an account, you will typically be required to show valid ID.

This could be a state issued driver’s license, passport, or other document.

Can you cash a personal check at an ATM?

Most banks that you have an account with allow you to deposit a check at an ATM.

In many cases you can also get cash when you deposit the check, assuming the ATM has this ability.

If you are using a third-party ATM, you might not be able to take advantage of this option however.

Where can you cash a personal check on Sunday?

While banks are closed on the weekends, if you have an account and their mobile app, you can deposit your check via their mobile deposit feature.

If however you want the money from the check, you are going to have to go to Walmart or one of the other options listed above.

What places don’t cash handwritten checks?

Because of the high chance of fraud, most check cashing places do not accept handwritten personal checks.

If they do, they limit the amount the check is for to minimize their risk.

Where is the best place to cash checks?

The best place to cash checks is at your bank.

If you don’t have a bank account, you need to consider getting one.

Not only can you deposit and cash checks free of charge, you also make life easier.

No longer do you have to go to Walmart or another location to cash your paycheck.

Simply have it direct deposited into your checking account.

Then you can spend the money using your debit card or get cash from an ATM machine.

And if you get personal checks, you can use the mobile deposit feature to deposit checks from home.

Finally, don’t let fees discourage you.

Most banks offer accounts with very little fees and most online banks offer no fee checking and savings accounts.

In reality, you are probably paying more in fees from using these check cashing stores than you would if you had a bank account.

Plus, having a bank account will better allow you to take control of your finances and build wealth over the long term.

My favorite online bank is CIT Bank.

They offer both a checking account and savings account, don’t charge account fees, and pay high interest rates on your money.

You can click the link below to learn more.

CIT Bank Button

Final Thoughts

There are 13 of the best places to cash personal checks.

The only thing to be aware of is the fees they charge you for doing so.

You want to find the place near you that cashes checks for the lowest fee possible.

However, if you want to avoid paying fees and get the highest value, open up a bank account.

The advantages far outweigh the drawbacks.

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