You can cash a personal check at several types of places:
- Your own bank or credit union: This is usually the easiest and cheapest option if you have an account there. Many banks allow you to cash or deposit checks for free if you are a customer
- The issuing bank: The bank that the check is drawn on (listed on the check) may cash it for you, even if you don’t have an account there. You will need valid ID and may be charged a fee
- Retail stores like Walmart: Walmart cashes personal checks (usually under $200) and other types of checks for a small fee. You bring your endorsed check and ID to the customer service or money services desk
- Check cashing stores: Specialized businesses like ACE Cash Express cash checks for people without bank accounts, though fees tend to be higher
- Grocery stores: Some grocery chains such as Kroger, Publix, and Albertsons offer check cashing at their customer service desks
- Gas stations and convenience stores: Some gas stations and 7-Eleven locations provide check cashing services, often via prepaid card programs, but fees apply
- Online/mobile apps: Apps like PayPal and Ingo Money let you cash checks by uploading photos of the check, with options for instant or delayed funding and associated fees
To cash a check, you will generally need to endorse it (sign the back) and present a valid government-issued ID. Fees vary by location and check amount, so it’s wise to call ahead and confirm policies. If you don’t have a bank account, your best options are the issuing bank, Walmart, or check cashing stores. Opening a bank account is recommended for easier and cheaper check cashing in the future
