You can cash a handwritten check at several places:
- Your local bank or credit union : If you have an account, this is usually the easiest and cheapest option, often free. If you don’t have an account, some banks still cash checks for a fee
- The issuing bank : The bank named on the check can cash it even if you don’t have an account there, though they may charge a fee and require ID
- Retail stores like Walmart : Walmart cashes various checks including handwritten personal checks up to certain limits (usually $200 for personal checks) for a small fee. You need to bring valid ID and endorse the check
- Check cashing stores : Businesses like ACE Cash Express cash checks for a fee, often higher than banks or retailers. They require ID and may run credit checks
- Grocery stores and convenience stores : Many grocery chains (Kroger, Publix, etc.) and convenience stores offer check cashing with fees generally lower than check cashing stores, but with limits on the amount
In all cases, bring a valid photo ID and endorse the back of the check before cashing. Fees and limits vary by location, so it’s wise to call ahead to confirm policies. For handwritten checks, banks and credit unions are typically the best places to cash them without excessive fees
. Summary:
- Best and often free: Your own bank or credit union
- Good option without account: Issuing bank (check issuer’s bank)
- Convenient but with fees: Walmart, grocery stores, retailers
- Last resort with higher fees: Check cashing stores
This gives you multiple options depending on your situation and urgency
