13 Best Places to Cash a Check (Low Fees and Free)

Last updated on February 16th, 2024 at 05:30 am

In this post, you’ll learn about the 14 best places to cash a check.

If you want to cash any check, there are lots of options to use. For example, banks, credit unions, apps, and many more.

Finding and analyzing all these options is important if you are concerned about ease and fees.

In addition to that, these institutions may require you to submit any document to cash your check. So you should be aware of that to avoid any tension.

Here in this article, some important questions are also discussed to help you choose the best option and get more information.

So let’s dive into the details.

13 Best Places to Cash a Check

Here is a list of 13 places where you can use a check to receive cash:

1. Banks

Banks offer check-cashing services to their account holders and, in some cases, to non-account holders for a fee. They are financial institutions that provide various services, including deposit accounts, loans, and financial advisory services.

Cashing a check at a bank is often considered safe and reliable. Banks typically have transparent fee structures and may offer additional financial services. They are regulated institutions that prioritize security and customer protection.

For non-account holders, banks may require a valid form of identification such as a driver’s license, passport, or government ID. Account holders need to present their account details or debit cards.

2. Credit unions

Credit unions are member-owned financial cooperatives that provide similar services to banks, including check-cashing facilities. They operate on a not-for-profit basis, with a focus on serving their members’ best interests.

Credit unions often offer competitive rates for check cashing, as they prioritize the financial well-being of their members. They may have a more personalized approach to customer service compared to larger banks.

Similar to banks, credit unions may require a valid form of identification for non-members looking to cash checks. Members may need to provide their membership details or credit union account information.

3. Retailers with check-cashing services

Certain retailers, such as Walmart, Kroger, and 7-Eleven, offer check-cashing services. These services are often provided at the customer service desk or designated check-cashing locations within the stores.

Retailers with check-cashing services may have extended operating hours, making it convenient for customers to cash checks outside regular banking hours. Some retailers offer competitive fees and provide a one-stop solution for various financial and shopping needs.

Customers may need to present a valid form of identification and sometimes need to adhere to the specific policies of the retailer regarding check-cashing limits and fees.

4. Local community banks

Local community banks are smaller financial institutions that serve specific regions or communities. They offer various banking services, including check-cashing facilities, and often focus on providing personalized customer service tailored to the local community’s needs.

Cashing checks at local community banks can provide a more personalized experience, as they are often known for their friendly and accommodating staff. These banks may also offer competitive fees and a range of other financial products and services.

Non-account holders may need to provide a valid form of identification, and some community banks might have specific policies for check cashing for non-account holders. Account holders can cash checks using their bank account information or debit card.

5. Government Institutions

Government institutions, such as the Department of Social Services, often provide check-cashing services for government-issued checks. These services are typically designed to assist individuals receiving government benefits, such as welfare or unemployment payments.

Government institutions may offer check-cashing services with minimal fees or no fees at all, aimed at supporting individuals who rely on government assistance. These services often prioritize accessibility and affordability for those in need.

To cash checks at government institutions, individuals may need to provide identification and relevant documentation related to the specific government benefits they are receiving.

6. Some grocery stores

Certain grocery stores offer check-cashing services as part of their customer offerings. These services are typically available at the customer service desk or designated areas within the store.

Grocery stores with check-cashing services provide convenience for customers who can complete their financial tasks while shopping for groceries. They may also offer competitive fees and extended operating hours compared to traditional banks.

Customers may need to present a valid form of identification, adhere to any specific check-cashing policies of the grocery store, and be subject to certain check-cashing limits and fees.

7. ACE Cash Express

It is a financial services company that provides various financial products and services, including check-cashing services, short-term loans, bill payment services, and prepaid debit card options.

ACE Cash Express is known for its transparent fee structure and relatively lower fees compared to many other check-cashing outlets. They often offer extended operating hours and quick access to cash.

Customers may need to provide a valid form of identification, endorse the check, and pay a fee based on the check amount. Some additional requirements might apply depending on the specific policies of ACE Cash Express locations.

8. Local Check-Cashing Stores

Local check-cashing stores are independent financial service providers that specialize in cashing various types of checks. They often cater to individuals who do not have bank accounts or who require immediate access to funds.

Local check-cashing stores may offer flexible services, competitive rates, and quick transactions. They can be convenient for those without bank accounts or those facing challenges with traditional financial institutions.

Customers typically need to provide a valid form of identification and endorse the check. Some stores may have specific policies regarding check types, limits, and associated fees, so it’s advisable to inquire about these beforehand.

9. Regional banks and credit unions

Regional banks and credit unions serve specific geographic areas and communities, offering a range of financial services, including check-cashing facilities. They often provide a more localized and community-oriented banking experience.

Regional banks and credit unions may offer competitive rates for check cashing and other financial services. They often prioritize customer relationships and can provide personalized assistance to meet individual financial needs.

Non-account holders may need to provide a valid form of identification, and specific policies may apply to non-members. Account holders can typically cash checks using their bank account information or debit card.

10. Prepaid debit card issuers

Prepaid debit card issuers provide prepaid cards that can be used for various financial transactions. Many of these issuers allow users to deposit checks onto the prepaid card through their mobile apps or in-person services.

Prepaid debit card issuers offer the convenience of loading checks onto the card without the need for a traditional bank account. They often provide online account management and budgeting tools, and some even offer rewards programs.

Users typically need to apply for a prepaid card, provide identification, and activate the card upon receipt. Some issuers may have specific requirements for check deposits, such as image quality and endorsement guidelines.

11. PayPal or Other Digital Payment Apps

PayPal and various digital payment apps, such as Venmo and Cash App, offer online platforms that enable users to deposit checks digitally through their mobile applications. These apps provide a range of financial services, including online money transfers, bill payments, and online shopping capabilities.

PayPal and other digital payment apps provide the convenience of cashing checks remotely, eliminating the need to visit a physical location. They often have competitive or low fees for check deposits, and the processed funds can be accessible for online purchases or transfers. Additionally, these platforms offer security features to protect users’ financial information.

To cash a check using PayPal or other digital payment apps, users typically need to download the app, create an account, and link their bank account. They will also need to provide the necessary personal information for identity verification. Some apps may have specific requirements for check endorsements and image quality for check deposits. Additionally, users may need to have a reliable internet connection and a compatible mobile device for the check-cashing process.

12. Transact at 7-Eleven

Transact by 7-Eleven is a financial service offered by 7-Eleven stores, providing various services, including check cashing. Customers can visit a participating 7-Eleven store to cash checks conveniently.

Transact by 7-Eleven offers a quick and convenient way to cash checks while running everyday errands. With extended operating hours, it provides accessibility beyond traditional banking hours. Some locations may offer competitive fees.

13. PLS Check Cashing

PLS Check Cashing is a financial services provider offering check cashing services, money transfers, and other financial products. They have numerous locations across various states, providing accessible financial services.

PLS Check Cashing locations offer a convenient way to cash checks, often with extended hours compared to traditional banks. They may also provide other financial services, such as bill payment and prepaid card services.


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What is required for cashing a check?

Cashing a personal check is a straightforward process, but there are certain things you need to keep in mind to ensure a smooth transaction. Here are some points you need to know:

Endorse the check

Before you can cash a personal check, you will usually need to endorse it. Turn the check over and sign your name on the back of the designated line. Make sure your signature matches the one on the front of the check.


When you go to cash a personal check, you will likely need to present a valid form of identification. This includes documents like a driver’s license, passport, or government-issued ID. The identification helps the bank or the check-cashing location verify your identity.

Bank policies

If you’re going to a bank to cash the check, keep in mind that different banks may have different policies. Some banks might require you to have an account with them to cash a check, while others may be more lenient.

Check-cashing locations

If you don’t have a bank account or if your bank has restrictive policies, you can use check-cashing services. However, these services often charge a fee, so it’s essential to inquire about the fee structure beforehand.

Fees and limits

Depending on where you go to cash the check, you may encounter fees and limits. Banks and check-cashing locations might charge a fee for cashing the check, and some places may have limits on the amount they will cash without additional verification.

Verification process

In some cases, the bank or check-cashing service might verify the check with the issuing bank to ensure that there are sufficient funds in the account to cover the amount of the check. This process can take a little time, so be prepared for a potential wait.

Consider alternatives

If you frequently deal with personal checks, consider opening a bank account. This can simplify the process of cashing checks and provide you with other financial benefits and services.

Security measures

Be cautious about the security of your personal information. Avoid cashing checks at unverified locations, and always ensure that you’re dealing with reputable institutions.

Check Cashing Near Me

However, you can find a place to cash a check near you using various methods:

Bank branches: If you have an account with a bank, you can visit one of its branches to cash your check. Many banks offer check-cashing services to their customers.

Retail stores and supermarkets: Some retail stores, such as Walmart, and supermarkets often have check-cashing services available for a fee.

Check-cashing stores: There are specific check-cashing stores that specialize in cashing checks. Research local check-cashing stores in your area and look for reputable ones.

Mobile apps: Some banks and financial institutions offer mobile apps that allow you to deposit checks remotely. Check if your bank offers this service.

ATMs: Some ATMs allow you to deposit checks, although the availability of this service may vary depending on the bank and ATM.

To find specific locations near you, you can use online search engines, map services like Google Maps or Apple Maps, or check the websites of the banks or retail stores in your region to see if they provide check-cashing services. Make sure to check the fees and requirements associated with each option before deciding where to cash your check.


Here are some important questions and answers to help you understand more about check cashing:

Can you cash a check at an ATM?

Yes, some banks and financial institutions allow customers to cash checks at their ATMs. However, the process may vary depending on the specific bank’s policies. Generally, to cash a check at an ATM, you would insert your debit card into the machine, select the option to deposit the check and follow the on-screen instructions. Some ATMs might require you to endorse the check and input the check amount. It’s important to check with your specific bank to confirm whether they offer check-cashing services at their ATMs.

Can I cash a check without an ID?

Cashing a check without identification can be challenging, as most banks and check-cashing locations require a valid form of identification to prevent fraud and verify the identity of the individual cashing the check. Acceptable documents of identification usually include a passport, driver’s license, or government-issued ID. Some institutions may have additional processes for customers without ID, such as requiring a witness to verify the individual’s identity. It is recommended to contact the specific institution beforehand to inquire about their policies regarding check cashing without ID.

How can I cash a check online?

Cashing a check online is possible through various mobile banking apps and digital payment platforms. Many banks and financial institutions offer mobile check deposit services that allow customers to deposit checks by taking photos of the front and back of the check within the banking app. After verifying the check details, the deposited amount is usually credited to the customer’s account. Additionally, some third-party apps and services may allow check cashing online for a fee. It is important to use secure and reputable apps to ensure the safety of personal and financial information during online check cashing.

Which place is the best to cash a check?

The best place to cash a check depends on individual preferences and circumstances. Banks are generally considered a reliable option, especially for their customers, as they often offer low or no fees for check cashing. Credit unions are also known for providing competitive rates and personalized service. Retailers with check-cashing services, such as Walmart or grocery stores, can be convenient due to their extended operating hours and accessible locations. Consider factors such as fees, convenience, and accessibility when determining the best place to cash a check.

Where is the best place to cash a check without a bank account?

If you do not have a bank account, you can consider using check-cashing stores, some retail stores, or dedicated check-cashing services. These locations often cater to individuals without bank accounts and provide check-cashing services for a fee. However, it’s essential to be aware of the associated fees and to compare them with other options to ensure you are getting the best deal.

How you can cash a check fast and get money?

To cash a check immediately, you can visit a bank or credit union that offers instant check-cashing services. Some banks provide immediate fund availability for a fee, especially for their account holders. Additionally, check-cashing stores and certain retailers may also offer immediate cashing options, though they might charge a fee. Ensure you have proper identification and that the check is properly endorsed before attempting to cash it to expedite the process.

Can I cash a check at any bank?

While it is generally possible to cash a check at any bank, it may be more convenient and cost-effective to do so at the bank where you have an account. Some banks may charge a fee for check cashing for non-account holders, and their policies may vary. It’s advisable to check with the specific bank beforehand to inquire about their check-cashing policies, fees, and any requirements for non-account holders.

What is the largest amount on a check a bank will cash?

Banks usually have their own policies regarding the maximum amount they will cash for non-account holders. While the limit can vary widely depending on the bank, it is advisable to check with the specific bank beforehand to determine their check-cashing limits and policies. For larger checks, banks may place a hold on the funds to ensure the check clears before releasing the full amount.

How do I cash a check online ASAP?

To cash a check online quickly, you can use your bank’s mobile app if they offer mobile check deposit services. Typically, you would need to log in to your mobile banking app, select the option for check deposit, take photos of the front and back of the endorsed check, and submit it. The funds are usually made available in your account within one to two business days, although some banks may offer expedited processing for a fee.

Do ATMs cash checks instantly?

While some ATMs offer the option to deposit checks, the processing time can vary. Many ATMs do not cash checks instantly but rather offer the option to deposit the check, with the funds becoming available in your account within one to two business days, similar to mobile check deposits. However, specific policies may differ between different banks and ATM networks, so it’s advisable to check with your bank to understand their check deposit processing times.

Do banks cash checks immediately?

Banks may provide immediate access to funds for checks deposited by account holders, especially if the check is drawn from the same bank. However, for checks from other banks, banks often place a hold on the funds, typically ranging from one to several business days, to ensure the check clears. Some banks may offer expedited fund availability for a fee. Policies regarding immediate check cashing can vary, so it’s best to inquire with your bank about their specific procedures.

What type of check can be cashed instantly?

Generally, cashier’s checks, certified checks, and government-issued checks can be cashed instantly at banks or check-cashing locations. These types of checks are considered more secure because the funds are guaranteed by the issuing institution. Banks are more likely to provide immediate access to the funds from these types of checks without placing holds.

How do you cash a check?

To cash a check, you typically need to visit a bank, credit union, or check-cashing location. Endorse the back of the check by signing your name, then present it to a teller or use an ATM, depending on the location. You may need to provide a valid document for identification, like a passport or driver’s license. The institution will then verify the check and your identity before giving you the cash. Fees may apply, depending on where you cash the check.

How can I cash a check without going to the bank?

You can cash a check without visiting a bank by using mobile check-cashing apps offered by some financial institutions. These apps allow you to deposit checks by taking photos of the front and back of the check and submitting them electronically. Once verified, the funds are typically deposited into your account. Some third-party check-cashing services also allow you to cash checks without visiting a bank, though they may charge fees for their services.

Can a check be cashed anywhere?

While a check can be cashed at various locations, such as banks, credit unions, and check-cashing stores, some institutions may have specific policies or limitations on cashing checks. It’s advisable to confirm with the specific institution before attempting to cash a check, especially if you are not an account holder at that institution. Additionally, some locations may charge fees for check-cashing services.

Can I cash a check online?

Yes, you can often cash a check online through mobile banking apps provided by many banks and financial institutions. These apps allow you to deposit checks by taking photos of the front and back of the check and submitting the images electronically. The funds are typically made available in your account within one to two business days. Some third-party apps also offer online check-cashing services, although they may charge fees for their services.

Why is cash better than a check?

Cash is often preferred over checks for its immediacy and ease of use. Unlike checks, cash does not rely on bank processing times or the risk of a bounced check. Cash transactions are instantly complete and can be used for various purchases or transactions without the need for bank verification. However, cash poses a security risk, and it may not be practical or safe for large transactions or long-distance payments.

When should you not cash a check?

You should not cash a check if you suspect it might be fraudulent or if there are insufficient funds in the issuer’s account. Additionally, if you do not have proper identification or if the check is not made payable to you, you should avoid cashing it. It is essential to be cautious of potential scams and to verify the authenticity of the check and the identity of the issuer before attempting to cash it.

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Ahmad Ali