Technology has made banking more convenient in recent years. Paper checks still have value despite many changes. You might need to cash personal checks at a cashier. A gig economy employer might send you a paper check on Sunday. It will save you from having to pay check-cashing fees.

How can I cash a personal check?

You can cash Personal use Cash checks at any credit union or bank free of cost. Walmart offers check-cashing at a very reasonable price. You may cash personal checks at banks or credit unions during regular bank hours. You must take a photo of your government ID to cash grocery store checks.

1. Contact your bank account or credit union

You can cash personal checks at any branch, bank, credit union, or branch. Switch to a bank offering free check cashing. Register now for free check cashing. You don’t need access to a bank network to open a credit union account. Credit unions let you keep your account open for as little as a month.

2. Issuing Bank

Maybe you don’t have a bank account or branches near your home. In that case, you need to cash your personal checks. The bank’s name will appear at the bottom of each page, just below the memo.

What does it cost to issue a bank check?

Customers looking to cash personal checks can get different policies from banks. Cashing a personal cheque at the bank is the most common way to cash a check.

  • Orders Below Qualify for $0
  • To be eligible for $7-10
  • $7 per check, no matter the dollar amount.
  • 10% must be verified

3. Walmart Check Cashing Services

Walmart allows you to cash checks at odd hours and on Sundays. You can also call the customer service representatives at the Customer Service Desk. Walmart Money Services will cash your Walmart check. Sometimes, the cashier might not be available. Cash is the only form of payment.

Amazon cash: What checks are available under this category?

Walmart allows you to cash a variety of checks, including kinds of checks like:

  • Payroll
  • Pre-Printed
  • Government benefit checks
  • Stimulus check
  • Cashiers
  • Tax
  • Retirement disbursements, 401k
  • MoneyGram money order
  • To settle claims, check

Walmart also offers prepaid cards and charges $4 to cash checks below $1,000 and $8 to load checks onto your Walmart MoneyCard.

Walmart won’t cash checks

Walmart will not cash checks from third parties or MoneyGram money orders.

4. Gas stations and travel centers

Personal cheques are cashable at gas stations regardless of where you drive.

MarketWatch estimates there are about 115,000 gas stations in the US. These stations won’t accept personal cheques.

These are the locations where two-party personal checks can be cashed:

  • Pilot Flying J
  • TravelCenters of America

Depending on your location, you may be eligible to apply for different check types of check cashing policies. Call to find out more.

5. Grocery Stores

Acceptable in local grocery shops for Personal checks

  • Food Lion: Personal checks up to 500 may be required
  • Pubx Personal Checks Up to $75
  • Kmart Personal Checks up to $500 as low as $1
  • Market Basket – Personal checks up to $50. Limit on check amount: 1.25
  • Giant Eagle Personal checks up to $30 may be available, depending on where you live.

All shops offer to check cash, direct deposit, and mobile check load options.

6. Convenience Store

Convenience stores will process your check within 48 hours and add your balance to your Transact Prepaid MasterCard. You can also use your prepaid debit card online in shops that accept prepaid MasterCards.

7. Endorse Personal Check To a Friend

Send the check out to a friend. Third-party checks can be cashed at your bank or credit union.

How can I send a cheque?

Friends can also endorse business checks sent by third parties.

  • Type “Pay to order X.” Type “Pay To Order X.”
  • Please sign below to endorse the check back.
  • A friend can sign the third row.

Deposit checks can be cashed by banks and financial institutions

8. Cashing stores

Google is the most likely to bring up check cashing and payday loan companies/title loans.

These conveniences may be expensive. Fees will apply to the balance of your check.

Locate a cashier available during work in a check-cashing store or use a check-cashing app.

Even though it may not be the smartest thing, check-cashing machines might be an option. It is a list of reliable cash check locations that are affordable.

  • PL$ 24/7 Financial Services
  • Quick Cash
  • Community Financial Service Centers
  • United Check Cashing
  • Ace Check Express
  • Check into Cash

They offer financial services like faxing, getting a notary, and getting copies. You can get $10 up to $20 from their ATMs. They also provide the option to cash Pre-Printed Checks, tax refund checks, and insurance checks using a mobile device.

Great Depression Survival Tips: See our guide.

9 Cashing App

How can I cash my personal check online using cashing apps like Ingo Money or PayPal?

Ingo Money

Ingo Money lets you cash personal checks online. Ingo Money charges a small fee to cash checks online.

  • Handwritten Checks under $100: $5
  • Handwritten checks are eligible for a 5% discount on orders above $100
  • Pre-Printed Checks below $250 and payroll checks below $250 are $5
  • Pre-Printed Checks exceeding $250 are eligible to receive a 2%


PayPal, a partnership between First Century Bank & Ingo Money, allows users to cash their checks online. With PayPal, you can use a check writer to create physical checks and easily manage check funds.


NetSpend allows you to check-cashed online. Handwritten checks will be subject to a surcharge. NetSpend processes the checks within one business day, making it a convenient option for users.

Green Dot

Checks can be loaded onto your Green Dot Card via the mobile app.

Check cashing limits are $5 to $2,500. The monthly limit is between $10,000 to $5,000. Green Dot ensures that check funds are available on the next business day after depositing the check.

10. Your employer

Working with a team increases your chances of earning a paycheck. Discuss this with your employer. They may provide a check writer for your physical checks, making it easy to access your check funds.

What does it cost to cash a cheque?

Cashing checks can prove costly. It could be because of your location, type of check, and amount.

You may have to pay fees if you cash Walmart checks. The amount of your check will determine the fee.

With the Mobile Fintech App, you can cash checks as low as 1% or up to 5%.

Check to cash at Giant Eagle or Kmart for $1-$6.

Fees may vary depending on where you live.

How do you cash a check?

To cash a check, you can use PayPal with a check writer to produce physical checks. Online services like NetSpend and Green Dot allow you to deposit the checks and access your check funds within a business day.

You must sign and endorse the check before cashing it at a traditional bank. Your account will receive or transfer the money after a Credit Check.

You can cash a checking account with a mobile app if appropriately signed. Take photos of the back and front of the check and provide a valid photo as a form of identification.

Cash is available once your check clears. There may be a fee to expedite cash processing.

How do I instantly cash a check online?

Cashing a check is easy. You’ll need your government-issued ID along with a valid photo.

Check to cash on mobile applications like PayPal, IngoMoney, and GreenDot allow you to cash checks online. To transfer your money quickly, you may incur between 1% to 5% after a Credit Check.

Can cash a personal cheque without presenting a photo ID?

Performing a proper Credit Check and having a form of identification such as a valid photo is required to cash a personal cheque.

To cash checks at banks or credit unions, you must be able to prove your identity. Two secondary IDs are not allowed. You can use a student ID or an employment ID. A photo ID is required to open a mobile account and cash your first check. You can cash personal checks with an ID. Walmart lets you cash checks on Sundays. Walmart stores are usually open between 7-11 pm & 10 pm.

Tax Check and union checks can also cash at these locations; ensure you have the proper identification. Publix and Kmart are great alternatives to Walmart, as they can also provide you with funds in cash after cashing your check.

Cash your check at an ATM

ATMs not connected to the network cannot accept personal checks, but they can process your money in minutes if you try a supported ATM.

You can make remote deposits at some ATMs, but you must wait for the three-day holding period before withdrawing the funds. Now you can check your bank savings account for free. Mobile check deposits are best when you tick “Mobile Deposit” and then write “VOID” on the check’s return after clearing.

How can I cash personal checks written by hand?

To reduce risk, these companies will not cash checks written by individuals. However, with the proper identification and verification, you can still cash Tax Checks, union checks, and other types of checks at banks, credit unions, or other financial institutions.

  • ALDI
  • Albertsons
  • BJ’s Wholesale
  • Jewel-Osco
  • CVS
  • Fred Meyer
  • Kroger
  • Dollar General
  • H-E-B
  • Sam’s Club
  • Winn-Dixie
  • Sheetz
  • Trader Joe’s
  • Walgreens
  • Stripes
  • Wawa
  • Whole Foods
  • Meijer
  • Woodman’s Markets

Summary Cashing your check

Check-cashing is free. Fees may apply depending on how much you pay.

Remote depositing of checks from any device is possible.

Cash your cheque or have it signed by your employer.

Jason Rathman

Jason Rathman


Jason writes about all financial topics such as loans, debt solutions, and bankruptcy. He is an expert when it comes to subjects like APR, loan fine print, debt collection laws within the United States. With his in-depth knowledge of all things financial, he is a great asset to Greendayonline.