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Figuring out where to cash a check without a bank account is no fun.
In today’s digital era, transferring money is usually done through apps like Venmo, Zelle, or PayPal.
These apps require having a bank account, so if you don’t have a bank account — you can still get your hands on cash through various check cashing places that we are sharing below.
7 Places Where You Can Cash a Personal Check
Just got paid? There are two ways to get access to the money behind the check: You can either cash the check near you or deposit it.
Want free money?
Check cashing is still relevant in today’s digital age.
A ton of people still wonder, “what places offer check cashing near me?”
If you need money now and are looking to cash your checks, you have a few options to get a personal check cashed near you.
If you’re in the process of finding check cashing (near me) then take a look at the check cashing list below and take your pick.
Walmart will cash checks up to $5,000 and their fees are reasonable: $3.00 for up to $1,000 and $6.00 for more than $1,000 up to $5,000.
The website doesn’t say what you need to bring but assume you’ll need a valid photo I.D. at least.
You can click here to find a local Walmart location to cash personal checks.
Walmart check cashing options:
- Pre-printed checks
- Payroll checks
- Government checks
- Tax checks
- Cashiers’ checks
- Insurance settlement checks
- 401k and retirement distribution checks
- MoneyGram money orders
- Two party personal checks ($200 max)
Check Into Cash
Companies like Check Into Cash were built for the sole purpose of cashing checks.
With over 1,100 stores in 30 states, you may have one near you.
Unlike your bank, Check Into Cash will cash any check you bring in – aside from single-party checks – as long as it passes a check verification process.
Their website says nothing about if there is a fee for cashing a check with them, but assume there is to be on the safe side. You can cash a personal check at your local Check Into Cash location.
ACE Cash Express
ACE has more than 950 locations and will cash just about any check.
You get your funds that day, no waiting necessary.
To cash your check, all you need is a photo I. D., no bank account necessary.
Their website mentions no check cashing fee.
You can cash a personal check at your local ACE Cash Express location.
Local Grocery Stores
The fees and what types of checks they cash are different for every store, and you will need valid identification to cash a check.
This is particularly helpful if you don’t have a bank account.
Inquire with your local store about check cashing to find the best option.
Most 7-Eleven stores near you will have a check-cashing Vcom machine.
These machines charge a 1% fee to cash a check, and supposedly only cash up to $200.00.
If you’re in a hurry, though, it may be a good option.
Other Gas Stations
Some gas stations may also double as check cashing facilities.
Fees will vary for a number of reasons but may be quicker than going to a store or bank.
Endorse Your Check to a Friend or Family Member
If you don’t have a bank account you can endorse your check to a friend that you trust or a family member.
This way, they can cash the check and give you the cash.
Endorsing a check is a simple two-step process:
- You write “Pay to the order of [Name]”
- Sign underneath
Endorsing a check is free and you’ll want to do this only with someone you trust. But it is another way to get a check cashed and get access to cash.
Check Cashing FAQs
How to cash a check?
To recap, the simplest way to cash a check near you is to go to a bank or credit union where you have an account. If you don’t have a bank account, there are several alternatives described above. Just be sure to keep the following check cashing tips in mind:
- Ask about any check cashing fees and less expensive options for getting your money.
- Endorse the back of the check by signing your name in the endorsement area on the back of the check.
- Fill out a deposit slip (if necessary) and sign the slip.
- Show valid identification to the teller.
- Get your cash and put it in a safe place before leaving the building or area.
How can I cash a check at an ATM?
You can also opt to cash a check at your banks ATM. Here are the steps:
- Insert your debit card.
- Type in your PIN and press Enter.
- Select “Deposit Check”
- Insert the check into the check deposit slot.
- Confirm the amount on the check.
- Withdraw the money you need from the ATM.
Where is the best place to cash a check?
If you own a bank account, chances are you can cash your paycheck at any of your bank’s branches. If the check is a business check and not a personal one, you should be able to cash the whole amount. If it’s a personal check, though, depending on the amount, you may only be able to have a portion of the check.
Until the check clears, which is usually only 1-2 business days, you won’t have access to those funds. Not every bank does this, and if they do, it’s for checks over $200. The best part of cashing at your bank is that they won’t charge you a fee! Just remember to bring a valid photo I.D. to any branch of your bank. Alternatively, you can also use the mobile banking app to deposit the check.
Is Check Cashing Still a Thing?
Most big companies offer direct deposit, where your paycheck is deposited directly into your bank account, but a lot of little part-time weekend jobs still offer paper checks. I get checks from time to time after filing claims for eligible class-action lawsuits.
Whatever your reason for check cashing, if you need to find a place where you can cash a check these options will definitely help. Wherever you decide to cash your check, make sure you pick the safest, most reputable option.
Good luck finding places that cash personal checks! Did I miss any check cashing places? Let me know in the comments below.
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