31 places that cash personal checks:

31 places that cash personal checks:

Bank customers perro easily cash a personal check for free.

But if you don’t have a bank account, you may want to go to the bank where the check was written.

Alternatively, retail stores like Albertsons and check cashing stores like Check Into Cash offer check cashing services.

Each bank or store has its own fees, limits, and requirements for checking services, so keep those in mind, and don’t forget to bring your government-issued photo ID for verification.

Below is a list of over 30 places where you cánido cash a personal check, including banks, check cashing stores, grocery stores, and retail stores.

What we recommend

Free check cashing is always available at your bank, even if your bank didn’t write the check.

Also, some banks, including Bank of America and Chase Bank, offer free check cashing to everyone, not just customers, if the check is written on their bank and under a certain amount.

Comparison chart

You perro use the chart below for a quick comparison of check cashing fees at places that cash personal checks.

Then select any business name or scroll to the list below to learn more.

Company Type Check Cashing Fees

ACE Cash Express	check cashing store	Varies by location
albertsons	Grocery	Usually $3 to $6
Bank of America	Bank	Free for account holders and checks under $50; $8 otherwise
Bank of the West	Bank	Free for account holders, under 18, government checks and checks under $50; $9.50 otherwise
BMO Harris	Bank	Free for account holders and checks under $50; $10 otherwise
Capital one	Bank	Free for account holders and checks under $100; $7 otherwise
Chartway Federal Credit Union	Credit cooperative	Free for account holders; $3 or 2% of check amount otherwise
ChaseBank	Bank	Free for account holders and checks under $50; $10 otherwise
Check ‘n Go	check cashing store	Varies by location
Check Into Cash	check cashing store	Varies by location
Citibank	Bank	Free for account holders and varies for others
Citizens Bank	Bank	Free for account holders; $7 otherwise
Community Choice Financial	check cashing store	Varies by location
Fifth Third Bank	Bank	Free for account holders and varies for others
First National Bank	Bank	Free for account holders; $10 otherwise
food lion	Grocery	Varies by location
Friendly Check Cashing	check cashing store	2.5% to 5% of the check amount
giant eagle	Grocery	Varies by location
Huntington Bank	Bank	Free for account holders; $10 otherwise
KeyBank	Bank	Free for account holders, 1.5% of check amount for non-customers
M&T Bank	Bank	Free for account holders; 2% of the amount of the check for non-customers
Money Mart	check cashing store	Varies by location
PLS Check Cashing	check cashing store	$1 agregado 1% of check amount
PNC Bank	Bank	Free for account holders and checks under $25; 2% otherwise
Publix	Grocery	Usually $3 to $6
Regions Bank	Bank	Free for account holders and checks under $25; 1% otherwise
TD Bank	Bank	Free for account holders; $10 otherwise
The Check Cashing Store	check cashing store	Varies by location
US Bank	Bank	Free for account holders; $7 otherwise
USA Check Cashing Store	check cashing store	Small percentage of the check; vary by location
Wells Fargo	Bank	Free for account holders and checks under $100; $7.50 in all other cases.

The list

Note: For all of the locations listed below, you must bring a valid government-issued photo ID.

Check out our related research to learn more about cashing a check.

Banks that cash checks for noncustomers

While you perro cash any check at a bank where you have an account, your options are limited if you don’t have a bank account or cánido’t get to your bank.

If you are not a customer of the bank, you perro generally only cash a check at the bank that wrote the check.

For example, if someone hands you a check drawn on your Bank of America account, you cánido take the check to any Bank of America branch to cash it, even if you don’t have an account there.

All you need to do is:

1. Explain that you are cashing a check issued by the bank.

   The bank will be able to verify the account it came from because the institution has access to the account and cánido establish that the check will not bounce.

2. Espectáculo identification (often two ways).
3. You may have to pay a fee to cash your check.

   Many banks will cash your check for free if the check is drawn on one of their accounts, but not all offer this service for free.

   Most check cashing fees do not exceed $8.

If you cánido’t get to your bank or the check-issuing bank, the following will collect a personal check for free or for a small fee:

Bank of America

• Fee not to the client: Free if check is less than $50; $8 for checks over $50
• Find a branch

Bank of the West

• Fee not to the client: Free if your check is less than $50; If the check is greater than $50, there is a charge of $9.50
  • This fee does not apply if you are under the age of 18, cashing a Bank of the West cashier’s check, or cashing a check from a government agency with a Bank of the West deposit account.
• Find a branch

BMO Harris

• Fee not to the client: Free if check is less than $50; $10 fee for checks over $50
• Find a branch

Capital one

Chartway Federal Credit Union

chase bank

• Fee not to the client: Free for checks under $50; $10 fee for checks over $50
• Find a branch

Citibank

• Fee not to the client: Check cashing fees and availability vary by branch location.
• Find a branch

Citizens Bank

Fifth Third Bank

• Fee not to the client: Not specified; Restrictions and fees may vary
• Find a branch

First National Bank

huntington bank

KeyBank

• Fee not to the client: 1.5% fee with a minimum fee of $3 and a maximum fee of $25; every 5th cashed check is free; There is no maximum for tax refunds
• Find a branch

M&T Bank

• Fee not to the client: 2% of the total amount of the check ($3 minimum; $20 maximum)
• Find a branch

PNC Bank

• Fee not to the client: No fee for checks under $25; A fee of 2% or $2, whichever is greater, will apply to checks over $25.
• Find a branch

Regions Bank

• Fee not to the client: There is no fee for checks under $25 written on a Regions Bank account.

  Otherwise, a fee of 1% of the total amount of the check (minimum $5; maximum $20) applies, depending on the type of check

• Find a branch

TD Bank

US bank

Wells Fargo

Check Cashing Stores

Check cashing stores will cash most types of checks, including personal checks.

However, check cashing stores often charge both a flat fee and a percentage of the total amount of the check to cover the risk associated with cashing a personal check.

Because they charge the highest fees, check cashing stores should be your last complejo turístico.

Fees are usually the maximum allowed by state law, so they vary even within the same check cashing company.

ACE Cash Express

• Types of cashed checks: Personal checks, business checks, payroll checks, insurance checks, government checks, and money orders
• Fee: Varies by location and verification type
• open on sundays? Yes, most locations are open on Sunday.
• Find a store

Check Into Cash

• Types of cashed checks: Money orders, payroll checks, government checks, tax refunds, cashier’s checks and more
• Fee: They vary by location; To find out the fees at your nearest Check Into Cash location, go to the Fees and Terms page to find the “Fees for your state”.
• open on sundays? No.

  Typical store hours are 10 am to 6 pm Monday through Saturday.

• Find a store

• Types of cashed checks: Varies by location
• Fee: Varies by location
• open on sundays? Not in most places
• Find a store

Friendly Check Cashing

• Types of cashed checks: Personal checks, payroll checks, cashier’s checks, money orders, tax refunds, stimulus checks, 401K checks, checks made payable to a business, government checks, and more
• Fee: Vary by check type
• open on sundays? No.

  Typical hours are 8 am to 7 pm Monday through Wednesday 8 am to 8 pm Thursday and Friday, and Saturday 8 am to 5 pm

• Find a Store (North Carolina)

Money Mart

• Types of cashed checks: Personal checks, government checks, small business checks, money orders, payroll checks, insurance checks and more
• Fee: Estándar rates vary by state
• open on sundays? Yes, most locations are open on Sunday.
• Find a store

PLS Check Cashing

• Types of cashed checks: Personal checks, payroll checks, government checks, out-of-state checks and more
• Fee: As low as 1% of the check amount, agregado $1
• open on sundays? Yes, most stores are open 24/7.
• Find a store

The Check Cashing Store

• Types of cashed checks: Personal checks, payroll checks, government checks, small business checks, personal checks, insurance checks, and money orders
• Fee: Estándar rates vary by state
• open on sundays? Hours vary, but most stores are not open on Sundays.
• Find a Store (Florida)

USA Check Cashing Store

• Types of cashed checks: Payroll checks, insurance checks, settlement checks, government checks, cashier’s checks and more.

  The website doesn’t specifically list personal checks as a type it will cash; however, the site says, “Our team is specially trained and committed to cashing all checks, no matter how large or small the check amount.”

• Fee: Small percentage check; varies by location
• open on sundays? Varies by location
• Find a Store (California)

Check ‘n Go

• Types of cashed checks: Personal checks, two-part checks, payroll checks, cashier’s checks, and money orders.

  Check ‘n Go does not collect traveler’s checks

• Fee: Varies by state
• open on sundays? No
• Find a store

Grocery, convenience and retail stores

There are not many grocery stores, convenience stores, or retailers that cash personal checks because these locations have no way of confirming that funds are available to cover the amount of the check.

Also, most stores have upper check size limits, which means they won’t cash large checks.

However, there are a few options:

albertsons

• Types of cashed checks: Personal checks, payroll checks, and government checks in most areas; varies by location
• Personal verification limit: Varies by location
• Fee: Varies by location
• open on sundays? Yes.

  Typical store hours are 8 am to 8 pm Monday through Friday 8 am to 6 pm Saturday and Sunday 10 am to 4 pm

• Find a store

food lion

• Types of cashed checks: Personal checks, payroll checks, refund checks, and tax refunds
• Personal verification limit: $50
• Fee: Varies by location

• open on sundays? Yes.

  Typical store hours are 7 am to 11 pm daily.

• Find a store

giant eagle

• Types of cashed checks: personal checks, payroll checks, government checks and traveler’s checks up to $100; personal checks must be endorsed in the presence of an authorized Giant Eagle employee.
  • Note: You must apply for or have a Giant Eagle Advantage card in order to cash a check.
• Personal verification limit: $30 cash back
• Fee: They vary by store and check type and amount; There is no charge for child support checks
• open on sundays? Yes.

  Typical store hours are 6 am to 10 pm every day of the week.

• Find a store

Publix

• Types of cashed checks: Personal checks, payroll checks
• Personal Check Limits: $75, once a day
• Fee: $3 to $6 depending on check type and amount
• open on sundays? Yeah
• Find a store

Places that do not collect personal checks

The following places do not take personal checks (although some do take other types of checks):

• 7-eleven
• Acme Markets
• ALDI
• BJ’s Wholesale Club
• Cops
• costco
• Country Mart
• CVS (
• Dollar General
• D&W Fresh Market
• Food 4 Less
• Gelson’s
• hannaford
• Heinen’s
• Jewel Osco
• kroger
• Market Basket
• Meijer
• MoneyGram locations
• safe way
• Sam’s Club
• Shaw’s
• Speed ​​way
• objetivo
• Tom Thumb
• Vons
• Walgreens
• Walmart
• Western Union Stores
• Whole Foods
• WinCo

Alternative: Endorse it to someone else

One last option, if none of the check cashing locations above suit your needs, is to endorse the check to someone else.

If you have a friend or family member with an easily accessible bank account, you cánido write them a check.

Then they cánido collect it and give you the money.

This is called third party verification.

On the back of the check write: “Pay to the order of: (name of person).” Endorse the check (sign it) on the next line.

Give your friend cash.

Be warned: It perro be hard to find a place that cashes a third-party check, and some banks won’t even allow a customer to deposit a third-party check.

Before pursuing this option, you may want to check out our related research on how and where you cánido cash a third party check.

To end

Cash free personal checks at your bank, or go to the bank where the check was written if you don’t have a bank account.

Merchants like Albertsons and check cashing stores like Check Into Cash offer check cashing services, each with their own fees, limits and requirements, so bring your government-issued photo ID for verification.

Bank of America, Chase Bank, and other banks offer free check cashing to everyone—not just bank customers—for checks less than a certain amount, typically about $50.

Check cashing stores charge higher fees, so they should be a last complejo turístico.

See the full list of over 30 places to cash personal checks, including banks, check cashing stores, grocery stores, and retailers, along with their fees and requirements.

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