You can cash a check in several places depending on whether you have a bank account or not:
- Your own bank or credit union: This is usually the easiest and cheapest option if you have an account there. You can deposit or cash the check with no or minimal fees
- The issuing bank: The bank that issued the check (the one printed on the check) may cash it for you even if you don’t have an account there. This often requires presenting valid ID and may involve a fee
- Retailers like Walmart: Walmart offers in-store check cashing for payroll, government, tax refund, cashier’s, and other pre-printed checks. You present the endorsed check and valid ID at the Money Service Center or Customer Service Desk and pay a small fee. Personal checks are generally not accepted
- Check cashing stores: Specialized businesses cash checks for a fee, often higher than banks. Examples include ACE Cash Express. These require valid ID and sometimes a credit check
- Grocery stores and some gas stations: Some grocery chains (e.g., Kroger, Publix) and gas stations offer check cashing services at their customer service desks, usually for a fee
- Mobile apps: Apps like PayPal and Ingo Money allow you to cash checks by taking photos of them. You can get funds deposited into your PayPal account or prepaid cards, sometimes with a fee for instant access
In summary, the best places to cash a check are your own bank or credit union, the issuing bank, Walmart, or check cashing stores if you lack a bank account. Always bring valid photo ID and endorse the check before cashing it. Fees and accepted check types vary by location, so it’s wise to call ahead and confirm
