There are new modern methods of cash transfer like PayPal, Venmo or Zelle which are faster and easier to use especially since a larger part of the population today has access to the internet and smart devices.

They are generally cheaper and less time consuming compared to traditional means of cash transfer. This however does not mean that they have done away with the traditional methods of cash transfer all together. Some of those old methods are still one of the most secure methods of cash transfer. One of them being checks.

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Checks are by far one of the most secure methods of cash transfer in the modern world. They are hard to fake and intercept compared to wireless transfers through modern platforms.

The only problem is to cash the check you are required to have a bank account to make the process easy. There are however various other places you can cash your check. Below is a list of some of them.

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The bank listed on the check

Banks offer check books to account holders. Simply look for the name of the bank on the issued check and contact them. The name is usually written just before the memo line. Once you have known the bank issuing the check it is advisable to contact their customer care and inquire about their different policies n cashing in checks. By doing this, you will know what is required of you before visiting one of their branches.


Most banks require a valid government identification document like a passport or a government issued ID to verify that the check actually belongs to you. Some will go a step further to communicate with the issuer of the check to confirm that there is no fraud taking place.

Finally, they will confirm that the account balance of the person who wrote the check to confirm that there are enough funds.

It is however important to note that most banks nowadays implement a fee to cash the checks for non-members. It might either be a flat rate or a percentage of the check. Be sure to consult before cashing in the check.

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With over 5000 locations all over the United States, Walmart might by far be the most easily accessible place to cash in your check on the list. They are also one of the cheapest places to cash in your checks with their rates being:

  • $4 per check for checks up to $1,000
  • $8 per check for checks up to $5,000

They also allow you to cash in various types of checks. They include:

  • Payroll checks
  • Retirement distribution checks
  • Cashier’s checks
  • Checks from government institutions
  • Pre-printed checks
  • MoneyGram money orders
  • Tax checks
  • Two party personal checks

You will receive your money either in cash or a prepaid debit card, as you wish. You will however be required to carry proper identification documents to verify your identity.

Ace Check Cashing

Cash checkers are businesses set up specifically to help you cash your checks. One of them being Ace Check Express. They are physically located in 24 states- click here to find out which exactly. You will be able to cash various kinds of checks including personal checks. This gives them a slight edge over stores like Walmart. Other check types include:

  • Payroll checks
  • Tax refund checks
  • Insurance settlement checks
  • Government checks
  • Money orders

It is however important to note that this is by far the most expensive option to cash your check. Because these are businesses they can charge however they want to cash your check. Some of them charge up to 12% of the check amount for them to cash your check.

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Gas station

Various gas stations offer check cashing services a good example being 7-Eleven. They even developed an app to help you do exactly this- Transact by 7-eleven. You can also simply drive up to the nearest 7-eleven and cash your check manually.

It takes approximately $8 hours for the funds to be deposited into your master card which you can use practically anywhere that accepts master cards. Other gas stations that are able to cash your check include: Shell, Albertson’s, Citgo and Dillon’s. Some stations stopped cashing che3cks because of the high cases of fraud.

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Your employer

It all depends on who you are working for. There are a lot of rules and regulations to follow when cashing checks that is why most employers don’t offer this service. This is especially a good option when it comes to payroll checks since there is no amount limit. Non payroll checks can also be cashed by your employer as long as they do not exceed $1000 per day. Be sure to check with your boss to see if they offer these service for their employees.

Grocery store

Another convenient place to cash your check is a grocery store. It is however important to note that not all grocery stores offer this service. Those that do include:

  • Kroger
  • WinCo
  • Publix
  • HEB
  • Albertsons
  • Stop & Shop
  • Hyvee

Be sure to carry relevant documentation beforehand hen going to cash your check. Note that most stores don’t cash in personal checks because of fraud risks.

Different stores have different policies and limits. Albertson’s for example has a $1000 limit on the amount of money they can cash per check. Also note that different stores charge different fees to cash your checks. Research beforehand to know their store policy and the amount of money they charge per check.

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Endorse your check to a friend or family member

You might be having trouble cashing a check because you either don’t have a bank of your own or you don’t live around one of the other services stated above. You can simply endorse the check to one of your close friends or family members to cash it for you. This requires deep trust between the two parties. There are few simple steps to follow to do this.

Write “Pay to the order of” followed by your friend’s name

Sign below their name

The most important thing to be sure of before signing of the check to another person is whether their bank accepts third party checks or not. You might also be required to be physically there when the check is being cashed.

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Don’t be stressed on how you are going to cash in your check if you don’t own a bank account. Be sure to try one of the simple methods above. I would personally recommend Walmart or grocery stores as they charge the lowest fees.

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