13 Best Places to Cash Checks (No High Fees!) (2024)

Finding a reliable place to cash personal checks—aside from a range of dedicated check-cashing centers—can sometimes be challenging. In this article, I will discuss the best places to cash personal checks, the procedures, fees, benefits or drawbacks of each, and other helpful details. We will explore 13 top locations, companies, and areas for cashing checks, including banks, issuing banks, Walmart, gas stations, grocery stores, 7-Eleven, convenience stores, endorsing checks to a friend, check-cashing stores, PayPal, check-cashing apps, prepaid debit cards, and your employer.

Key Takeaways:

Cash checks hassle-free with your bank and enjoy instant access to your funds without any fees.
If you don’t have a bank account, consider cashing your check at the issuing bank, but be prepared for a potential fee.
Walmart offers check-cashing services, but fees vary depending on the check amount.
Gas stations and grocery stores may also provide check-cashing services, but it’s best to call ahead and inquire about fees and accepted check types.
Consider using mobile check-cashing apps like PayPal or prepaid debit cards for quick and convenient access to your funds.

Cashing Checks at Your Bank

The most obvious and best way to cash a check is with your bank. Since you have a banking relationship with them, they will cash or deposit checks into your account, charging no fee. Also, they will give you instant access to it. The added benefit here is if you don’t feel like going to your local branch, most banks now offer mobile deposits as well. Download your bank’s app, take a picture of both the front and back of the check and submit it. Depending on the amount, the money will be made available immediately or in a few business days.

Cashing Checks at the Issuing Bank

If you don’t have a bank account, you can still cash your check by taking it directly to the bank that issued it. This option is especially useful if you received a personal check from a friend or family member.

When cashing a check at the issuing bank, it’s important to note that most banks charge a fee for this service. The fee amount can vary, so it’s best to contact the bank beforehand to inquire about their check-cashing fees. Additionally, make sure to bring a valid photo ID with you when visiting the bank, as it is typically required for identification purposes.

By cashing your check at the issuing bank, you can receive your funds directly and avoid any potential delays or inconveniences associated with other check-cashing methods.

“Cashing a check at the issuing bank ensures a straightforward and hassle-free process, allowing you to quickly access your funds,” says Sarah Johnson, a financial expert.

If you’re unsure where the check was issued from, you can typically find this information on the check itself. Look for the bank’s name and address, which are usually printed on the check’s top-left corner or in the check’s memo area.

Pros and Cons of Cashing Checks at the Issuing Bank

Pros	Cons
– Direct access to funds – Avoid potential delays – Convenient for cashing personal checks	– Fees may be charged – Limited to the issuing bank – Requires a valid photo ID

While cashing a check at the issuing bank may incur fees, it can be a reliable and convenient option, especially when you don’t have a bank account. Make sure to consider your specific circumstances and weigh the pros and cons before deciding on the best method for cashing your check.

Cashing Checks at Walmart

Many people who are unbanked rely on Walmart’s check-cashing services. They offer a convenient option for cashing various types of checks, including payroll, government, tax refund, and even personal checks. Walmart provides this service to help individuals access their funds quickly and easily.

When cashing checks at Walmart, there are a few important details to keep in mind. First, there is a fee associated with cashing checks. For checks up to $1,000, the fee is $4 per check. For checks greater than $1,000, the fee is $8 per check. While there is a fee, it can be worth it for those who don’t have access to traditional banking services.

Walmart also has limits on the amount you can cash in a day. From May through December, the daily check cashing limit is $5,000. However, from January through April, the limit is raised to $7,500. This increase is particularly helpful for individuals who receive extra money during the holiday season or through tax refunds.

It’s worth noting that Walmart does have a limit on two-party personal checks. Currently, the limit for cashing two-party personal checks at Walmart is $200. This ensures that the check cashing service remains secure and manageable for both Walmart and its customers.

Overall, Walmart’s check-cashing services provide a convenient and accessible way for individuals without bank accounts to access their funds. With reasonable fees and generous daily limits, Walmart offers a viable option for many people seeking check cashing services.

Cashing Checks at Gas Stations

Gas stations can be unexpected places to cash your checks, but some of them offer this convenient service, especially travel centers located along the interstates. Instead of making an extra trip to a check-cashing center or bank, you can stop by a gas station and get your check cashed while refueling your vehicle.

When it comes to gas stations that offer check-cashing services, it’s important to note that fees can vary by location. To avoid any surprises, I recommend calling ahead to verify if the gas station you plan to visit provides this service and what types of checks they cash. While some may only cash government and payroll checks, others may also accept personal checks.

Keep in mind that gas stations may have additional requirements or restrictions in place when cashing checks, such as a limit on the check amount or specific forms of identification that you need to provide. It’s always a good idea to inquire about these details beforehand, so you come prepared.

Benefits of Cashing Checks at Gas Stations

Convenience: Cashing your check at a gas station allows you to complete multiple tasks in one stop, saving you time and effort.
Potential Fee Waiver: Some gas stations may waive the check-cashing fee if you make a fuel purchase within a certain timeframe after cashing your check.
Extended Hours of Operation: Gas stations often have extended hours compared to traditional banks, making it more convenient for those with busy schedules.

Considerations When Cashing Checks at Gas Stations

Limited Check Types: Gas stations may have restrictions on the types of checks they accept, so be sure to inquire about the specific check types they cash.
Fee Variation: While gas stations can provide a convenient check-cashing option, the fees can vary by location. It’s essential to compare the fees with other available options to ensure you select the most cost-effective choice.
Identification Requirements: Gas stations may require specific forms of identification, so be prepared to present a valid ID when cashing your check.

Cashing checks at gas stations offers a convenient alternative for those who prefer not to visit traditional banks or check-cashing centers. However, it’s crucial to inquire about the specific terms, fees, and requirements of each gas station before deciding which one to use. By doing so, you can make an informed decision and find a reputable gas station that meets your check-cashing needs.

Fee Comparison for Cashing Checks at Gas Stations

Gas Station	Check Types	Fees
Gas Station A	Government and Payroll Checks	$5 per check
Gas Station B	Government, Payroll, and Personal Checks	$8 per check
Gas Station C	Government, Payroll, and Personal Checks	Waived with fuel purchase within 24 hours

Cashing Checks at Grocery Stores

When it comes to cashing checks, grocery stores can be a convenient option for many people. Not only can you buy your groceries, but you can also take care of your financial needs in one place. While not all grocery stores offer check-cashing services, those that do can be a great alternative to traditional banks or check-cashing stores.

Grocery stores typically accept pre-printed checks such as government, payroll, and cashier checks. However, it’s important to note that personal checks may not be accepted at all stores. Before visiting a grocery store to cash your check, it’s a good idea to call ahead and inquire about their check-cashing policies and the types of checks they accept.

When cashing a check at a grocery store, you should be aware that fees may apply. These fees can vary from store to store and may be either a flat dollar amount or a percentage of the check’s value. Some grocery stores may even waive the check-cashing fee if you choose to put the money onto a store gift card.

In order to cash your check at a grocery store, you will typically need to provide a valid photo ID and endorse the back of the check. The store may also require you to provide additional information, such as your phone number or address.

Overall, cashing checks at grocery stores can be a convenient option for those who are looking to avoid the high fees associated with check-cashing stores. With the ability to handle your financial needs while running your errands, it’s a win-win situation. Just remember to check the store’s policies and fees beforehand to ensure a smooth and hassle-free transaction.

Next, let’s explore another option for cashing checks: 7-Eleven. This convenience store chain offers a quick and easy way to turn your checks into cash.

Cashing Checks at 7-Eleven

Transact by 7-Eleven is a convenient option for cashing checks. Simply download the app and take a picture of your check. Within 48 hours, your money will be available to you, deposited onto a reloadable 7-Eleven prepaid card. This debit card can be used anywhere MasterCard is accepted. With over 9,500 7-Eleven stores throughout the United States, there is likely one near you.

7-Eleven provides an easy and efficient way to cash checks, ensuring quick access to your funds. Whether you’re on the go or prefer the convenience of a reloadable prepaid card, 7-Eleven has you covered. Simply snap a photo of your check through the app, and your money will be ready for use in no time. Say goodbye to long lines and inconvenient check-cashing fees.

The Benefits of Cashing Checks at 7-Eleven

Convenience: With thousands of 7-Eleven locations across the country, you can easily find one nearby and cash your checks without hassle.
Quick Deposits: After snapping a photo of your check, the funds will be available on your reloadable 7-Eleven prepaid card within 48 hours.
Accepted Everywhere: The 7-Eleven prepaid card can be used anywhere MasterCard is accepted, giving you the freedom to make purchases or withdraw cash as needed.
No Check-Cashing Fees: Say goodbye to expensive check-cashing fees commonly associated with other methods. Cashing checks at 7-Eleven is a cost-effective solution.

Whether you need to cash a paycheck, a personal check, or any other type of eligible check, 7-Eleven provides a convenient and reliable option. Download the Transact by 7-Eleven app today and experience the ease of cashing your checks at your local 7-Eleven store.

Pros	Cons
No check-cashing fees	Limited to 7-Eleven prepaid card
Quick access to funds	Funds may take up to 48 hours to become available
Convenient locations	Only available in the United States
Accepted everywhere MasterCard is

Cashing Checks at Convenience Stores

Convenience stores are not just for grabbing a quick snack or filling up your gas tank. Many of these stores also offer check-cashing services, providing a convenient option for those who do not have a bank account or need immediate access to their funds.

When it comes to cashing checks at convenience stores, it’s important to note that fees can vary depending on the location and the amount of the check. Typically, fees range from $0.50 per $100 cashed up to $20. To get the exact fee information, it’s best to contact your local convenience store.

While convenience stores can be a convenient option for check cashing, it’s worth mentioning that not all stores offer this service. Therefore, it’s important to check with your local store beforehand to ensure they provide check-cashing services.

Benefits of Cashing Checks at Convenience Stores

Convenient locations: Convenience stores are usually scattered throughout various neighborhoods, making it easy to find one near you.
No bank account required: If you don’t have a bank account, convenience stores can provide an alternative option for cashing your checks.
Immediate access to funds: Unlike traditional bank deposits, cashing your check at a convenience store can give you instant access to your money.

Considerations for Cashing Checks at Convenience Stores

Fees: While convenience stores offer check-cashing services, it’s important to be aware of the associated fees, which can vary depending on the amount of the check and where you live.
Verification requirements: Just like any financial transaction, convenience stores will require proper identification to cash your check.
Limitations: Convenience stores may have limitations on the types of checks they can cash, so it’s best to inquire beforehand.

As with any financial decision, it’s important to weigh the pros and cons of cashing checks at convenience stores. If you find that the convenience and immediate access to funds outweigh the fees and limitations, then this option may be suitable for your needs.

Endorsing Checks to a Friend

If you have a personal check and don’t have a bank account, there is still a way for you to cash it. You can endorse the check to a trusted friend, who can then cash it at their bank. This process is known as endorsing a check to a friend, and it involves signing the back of the check and giving it to someone you trust to handle the transaction for you. However, it’s important to note that not all banks accept third-party checks, so it’s best to check with the bank beforehand to understand their specific requirements and policies.

Endorsing a check to a friend requires trust and a cooperative bank that allows third-party check cashing. Some banks may require both you and your friend to be present at the bank when cashing the check. Additionally, the bank may request identification and verification from both parties to ensure the authenticity of the transaction. Therefore, it’s crucial to have open communication with your friend and the bank to streamline the process and avoid any potential complications.

In the case that the bank accepts third-party checks, your friend will need to present the check along with their identification to cash it. The bank will verify the authenticity of the check and process the transaction accordingly. Please note that there may be fees associated with cashing a third-party check, depending on the bank’s policies and the amount of the check. It’s essential to inquire about any applicable fees to understand the overall cost of cashing the check.

Benefits of Endorsing Checks to a Friend:

Provides an alternative cashing option for individuals without bank accounts
Allows you to leverage the banking services of your trusted friend
Enables you to access funds from a personal check that would otherwise be inaccessible

Considerations When Endorsing Checks to a Friend:

Ensure you trust the person you are endorsing the check to
Verify that the bank allows third-party check cashing
Keep open communication with your friend and the bank to avoid any potential issues or complications

Pros and Cons of Endorsing Checks to a Friend

Pros	Cons
Access to funds from a personal check	Requires trust in the person cashing the check
Alternative for individuals without bank accounts	Not all banks accept third-party checks
Can be convenient if the bank allows the transaction	Potential fees associated with cashing a third-party check

To summarize, endorsing a check to a trusted friend can be a viable option for cashing a personal check when you don’t have a bank account. It requires trust and a bank that allows third-party check cashing. By following the necessary steps and maintaining clear communication with your friend and the bank, you can access the funds from your check with their assistance. However, it’s crucial to consider the potential risks and fees associated with endorsing checks to a friend before proceeding with this method.

Cashing Checks at Check-Cashing Stores

When it comes to cashing checks, check-cashing stores can be an option for those who don’t have access to traditional banking services. However, it’s important to note that using these stores should be a last resort due to their high fees.

Check-cashing stores typically charge a percentage of the check amount as their fee, which can quickly add up, especially for high-value checks. Before using these services, it’s crucial to check the fees applicable in your state to ensure you’re aware of the costs involved.

Examples of well-known check-cashing stores include Money Mart, Ace Cash Express, and Check Into Cash Stores. These establishments specialize in providing check-cashing services to individuals who may not have a bank account or prefer not to use traditional banking methods.

While check-cashing stores can offer convenience and accessibility for cashing checks, it’s essential to consider the fees involved and explore other alternatives first. By comparing different options, such as cashing checks at your own bank or through a mobile deposit app, you can potentially save on fees and retain more of your hard-earned money.

Pros of Cashing Checks at Check-Cashing Stores:

Accessibility for individuals without a bank account
Convenience, especially for those who prefer in-person transactions

Cons of Cashing Checks at Check-Cashing Stores:

High fees that can significantly impact the amount of cash received
Limited services compared to traditional banks

“Using check-cashing stores can be expensive due to their high fees. It’s important to explore other options and compare costs before deciding.”

Check-Cashing Store	Fee Structure	Services Offered
Money Mart	Percentage-based fee	Check cashing
Ace Cash Express	Percentage-based fee	Check cashing
Check Into Cash Stores	Percentage-based fee	Check cashing

Cashing Checks Using PayPal

PayPal offers a convenient and secure option for cashing checks using their mobile deposit feature. With just a few simple steps, you can quickly access the funds from your check and use them however you need.

To cash a check using PayPal, follow these easy steps:

Open the PayPal app on your smartphone.
Select the “Cash a Check” option from the menu.
Using your phone’s camera, take a clear photo of the front and back of the check.
Verify the details and amount of the check.
Submit the check for processing.

Once your check is processed and approved, the money will be deposited directly into your PayPal account. From there, you have several options for accessing and using the funds.

You can use a PayPal Cash Card, which functions like a debit card, to make purchases online or in-person wherever MasterCard is accepted. Alternatively, you can keep the money in your PayPal account and use it for online payments or transfer it to your linked bank account for easy withdrawal.

Check Cashing Fees

When cashing payroll or government-issued checks, PayPal charges a fee of 1% of the total check amount, with a minimum fee of $5. For all other types of checks, there is a fee of 5% of the total check amount, also with a minimum fee of $5.

Here’s a breakdown of the fees:

Check Type	Fee	Minimum Fee
Payroll or Government-issued checks	1% of check amount	$5
All other check types	5% of check amount	$5

With PayPal, you can enjoy the convenience of cashing checks from the comfort of your own home or wherever you are. Say goodbye to long lines and check-cashing fees at physical locations.

Cashing Checks Using Check-Cashing Apps

If you prefer a digital solution for cashing checks, check-cashing apps can be a convenient option. These apps allow you to deposit checks by simply taking a picture of them with your smartphone. One example of a popular check-cashing app is the Ingo Money App.

The Ingo Money App allows you to easily and securely deposit your checks and receive the funds directly into your account within 24 hours. The app uses advanced technology to capture the check images accurately, ensuring a seamless transaction process.

Using check-cashing apps eliminates the need to physically visit a bank or check-cashing location, saving you time and effort. It also provides the convenience of accessing your money from anywhere, anytime. Whether you’re on-the-go or at home, you can easily cash your checks using your smartphone.

Benefits of Check-Cashing Apps:

Convenient and easy-to-use
No need to visit a physical location
Fast processing time for depositing checks
Accessible from anywhere using your smartphone
Secure and encrypted transactions

However, it’s important to note that check-cashing apps may charge fees for their services. The fees can vary depending on the app and the amount of money you need to cash. Some apps offer free or low-cost services for smaller checks, while others charge a percentage fee for larger checks.

Check-cashing apps like the Ingo Money App provide a convenient and modern solution for cashing checks. With just a few taps on your smartphone, you can deposit your checks and access your funds quickly and securely.

Check-Cashing App	Fees	Processing Time
Ingo Money App	Varying fees depending on check amount	Within 24 hours
Other Check-Cashing Apps	Fee structures may vary	Varies by app

When using check-cashing apps, it’s essential to choose a reputable and secure app to protect your personal and financial information. Be sure to read reviews and check the app’s security measures before using it.

Check-cashing apps provide a modern and convenient way to cash your checks. With their user-friendly interfaces and fast processing times, they offer an alternative to traditional check-cashing methods. Whether you need to cash a paycheck, a personal check, or any other type of check, check-cashing apps can help you access your funds quickly and efficiently.

Cashing Checks Using Prepaid Debit Cards

When it comes to cashing checks, prepaid debit cards can be a convenient option, especially for individuals who are underbanked. Some banks offer prepaid debit cards that allow you to access your funds and deposit checks with ease. Although these accounts often charge a monthly fee, they provide various benefits such as mobile deposit features and the ability to deposit checks at branch-owned ATMs.

Once you deposit a check using a prepaid debit card, you may need to wait for the check to clear. Once the check has cleared, the money will be loaded onto your prepaid debit card for immediate use. This enables you to access your funds without the need for a traditional bank account.

Using a prepaid debit card for check cashing offers convenience, flexibility, and accessibility. Whether you want to deposit a personal check, government check, or payroll check, prepaid debit cards can provide a reliable solution.

The Benefits of Cashing Checks Using Prepaid Debit Cards:

Convenient access to funds without a traditional bank account
Ability to deposit checks using mobile deposit features
Option to deposit checks at branch-owned ATMs
Immediate access to funds once the check clears
Flexibility to use funds for purchases, online transactions, and bill payments

Using a prepaid debit card for check cashing is a viable option for individuals who prefer not to rely on traditional banking services. It provides a secure and efficient way to access your funds while enjoying the convenience of mobile banking features.

“Cashing checks using prepaid debit cards offers a reliable solution for individuals who are underbanked and require convenient access to their funds.”

With the widespread availability of prepaid debit cards, it’s important to choose one that suits your needs. Compare the fees, features, and benefits offered by different prepaid debit card providers to find the one that best aligns with your financial goals.

Whether you need to deposit a paycheck, receive government benefits, or cash a personal check, prepaid debit cards can simplify the process and provide you with the financial flexibility you need.

Prepaid Debit Card Provider	Monthly Fee	Mobile Deposit Features	Deposit at Branch-Owned ATMs	Immediate Access to Cleared Funds
Provider A	$5.99	Yes	No	Yes
Provider B	$4.99	Yes	Yes	Yes
Provider C	$6.99	Yes	No	Yes

Conclusion

In conclusion, when it comes to cashing checks, there are plenty of options available to you, even if you don’t have a bank account. The key is to choose the method that best suits your specific circumstances, taking into consideration factors such as the type of check, the amount, and the associated fees.

By comparing the available check cashing options, you can ensure that you make an informed decision. Look for the best places to cash checks that offer convenience and low fees. Whether it’s cashing checks at your bank, endorsing checks to a friend, or utilizing the services of check-cashing stores or prepaid debit cards, there is a solution for you.

Remember, it’s essential to have proper identification when cashing checks, and be aware of any age restrictions that may apply. By choosing the right check cashing method, you can securely access your funds and make the most of your financial transactions.

FAQ

What are the best places to cash checks with no high fees?

The best places to cash checks with no high fees include banks, the issuing bank, Walmart, gas stations, grocery stores, 7-Eleven, convenience stores, endorsing checks to a friend, check-cashing stores, PayPal, check-cashing apps, and prepaid debit cards.

Can I cash a check at my bank?

Yes, if you have a bank account, you can cash or deposit checks at your bank with no fee. Many banks also offer mobile deposit options where you can take a picture of the check and submit it through the bank’s app.

Can I cash a check at the bank it was issued from?

If you don’t have a bank account, you can take the check to the bank it was issued from and cash it there. Most banks charge a fee for this service, so you will need to check with them for their specific check-cashing fee.

Can I cash a check at Walmart?

Yes, Walmart offers check-cashing services for a fee. They charge for checks up to

FAQ

What are the best places to cash checks with no high fees?

Can I cash a check at my bank?

Can I cash a check at the bank it was issued from?

Can I cash a check at Walmart?

Yes, Walmart offers check-cashing services for a fee. They charge $4 for checks up to $1,000 and $8 for checks over $1,000. They also have limits on the amount of two-party personal checks that can be cashed.

Do gas stations offer check-cashing services?

Some gas stations, especially travel centers along interstates, offer check-cashing services. Fees and the types of checks they cash vary by location, so it’s best to call ahead and verify their services.

Can I cash a check at a grocery store?

Many grocery stores offer check-cashing services for pre-printed checks like government, payroll, and cashier checks. Fees for check cashing vary by store and can be a flat dollar amount or a percentage of the check’s value.

Can I cash a check at 7-Eleven?

Yes, 7-Eleven offers a convenient option for cashing checks. You can cash your checks through the Transact by 7-Eleven app, and the money will be deposited onto a reloadable 7-11 prepaid card.

Can I cash a check at convenience stores?

Many convenience stores offer check-cashing services for those without a bank account or who need immediate access to funds. Fees for check cashing at convenience stores vary by location and can range from $0.50 per $100 cashed up to $20.

How can I cash a personal check without a bank account?

If you have a personal check and no bank account, you can endorse the check to a friend who can then cash it at their bank. This requires trust and a cooperative bank, so it’s best to call ahead to understand the specific requirements.

Are there check-cashing stores where I can cash checks?

Yes, there are check-cashing stores like Money Mart, Ace Cash Express, and Check Into Cash Stores where you can cash checks. However, these stores typically have high fees, so they should be a last resort option.

Can I cash checks using PayPal?

Yes, PayPal offers a mobile deposit feature that allows you to cash checks. By taking a picture of your check using the PayPal app, the money will be deposited into your PayPal account, which you can access using a PayPal Cash Card.

Are there check-cashing apps available?

Yes, there are check-cashing apps like the Ingo Money App that allow you to deposit checks by taking a picture of them. The funds are then deposited into your account within 24 hours, with fees varying depending on the app and the amount of money you need to cash.

Can I cash checks using prepaid debit cards?

Some banks offer prepaid debit cards as a way for underbanked individuals to access their funds, including cashing checks. Once the check clears, the money is loaded onto the prepaid debit card for your use.

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FAQ

What are the best places to cash checks with no high fees?

Can I cash a check at my bank?

Can I cash a check at the bank it was issued from?

Can I cash a check at Walmart?

Do gas stations offer check-cashing services?

Can I cash a check at a grocery store?

Can I cash a check at 7-Eleven?

Yes, 7-Eleven offers a convenient option for cashing checks. You can cash your checks through the Transact by 7-Eleven app, and the money will be deposited onto a reloadable 7-11 prepaid card.

Can I cash a check at convenience stores?

How can I cash a personal check without a bank account?

Are there check-cashing stores where I can cash checks?

Can I cash checks using PayPal?

Are there check-cashing apps available?

Can I cash checks using prepaid debit cards?

,000. They also have limits on the amount of two-party personal checks that can be cashed.

Do gas stations offer check-cashing services?

Can I cash a check at a grocery store?

Can I cash a check at 7-Eleven?

Yes, 7-Eleven offers a convenient option for cashing checks. You can cash your checks through the Transact by 7-Eleven app, and the money will be deposited onto a reloadable 7-11 prepaid card.

Can I cash a check at convenience stores?

FAQ

What are the best places to cash checks with no high fees?

Can I cash a check at my bank?

Can I cash a check at the bank it was issued from?

Can I cash a check at Walmart?

Do gas stations offer check-cashing services?

Can I cash a check at a grocery store?

Can I cash a check at 7-Eleven?

Yes, 7-Eleven offers a convenient option for cashing checks. You can cash your checks through the Transact by 7-Eleven app, and the money will be deposited onto a reloadable 7-11 prepaid card.