If you are having a check and also a bank account and if you want to know Where Can I Cash a Personal Check then, it is really simple to do this. For this, you can easily go to the bank and deposit that check and cash it out, or also, if your bank is having its application then you can easily take a picture of that check and then simply deposit that check with the help of your mobile phone. 

You might be surprised that more than 1.7 billion properties from all over the world don’t have proper access to their bank account as per their date which was released by the world bank. 

Where Can I Cash a Personal Check

Where Can I Cash a Personal Check

This is known as “unblanked” and there are various reasons why people do not use a bank that does not access their bank branch, or also not access their mobile phone. Also, minimum balance maintenance fee and also some issues in the system of the bank. Also, no access to the government-issued ID which is one of the necessities for the bank account as well. 

It is ok if you don’t meet with any of these reasons. There are some other methods by which you can easily cash your personal check without visiting the bank and without having a bank account as well. 

Below in this article, we are sharing some of the places where you can visit, which are cheap and it may be that they cost you some fee as well. 

What You Need to Cash A Personal Check

Before we start telling you the options of where to visit cash a personal check, it is really important for you to know what you need to bring with you.

All of the locations which were provided by the banks to cash checks to avoid any fraud. Also, it’s not only fraud, these locations also take the potential risk by the check issuer that they may not have the fund to cover the amount as well. 

At the time when you cash a check in person, you are required to show a valid ID card to them like you can show them your driving license or also any of the other ID as well. 

Also, ID options which you can show to them are like Passport and if you are having a Green Card then it is really best. In some of the cases, they also accept the school ID card or military ID card as well. 

That would be all which you need. If you are having two forms with you then it is really good for you. 

Best Places to Cash A Personal Check

It is really great to cash a personal check without visiting the bank which you can do by just selecting some of the options. You need to know that personal checks are something that is harder to cash without visiting the bank. 

You need to select the one which takes the lowest fee so that you will get more money in your hand as cash. Also, it completely depends upon the place which is nearest to you. 

The Bank That Issued the Check

One of the first and best options for you to cash a personal check is by visiting the bank or at the credit union as well. You will see the bank information on the check which makes it easy for you. 

It may be one of the best options and if you want to make sure that the check which you are having is valid and has sufficient funds. 

By doing this, you will get to know that you will be able to get the money by giving some fee. Also, it is one of the cheapest options for you. Sometimes, this option is not beneficial for you because some banks don’t have any branch located nearby your location. So, in this case, we suggest that the bank is the only place for you. 

  • Walmart

Walmart is something that can do anything. It’s not only my favorite but it is also an option to cash a check as well. 

A few years ago, Walmart didn’t have this option but now, Walmart is one of the best, and below we are sharing a list of which they can cash and also which you can cash by visiting their store. 

  • Payroll Checks
  • Government Checks
  • Tax Checks
  • Cashier’s Checks
  • Insurance Settlement Checks
  • 401(k), retirement distribution checks
  • All Pre-Printed Checks*
  • MoneyGram Money Orders
  • Two-Part Personal Checks**

In these stores, you can easily cash checks and money orders up to any amount like $5000. Also, there are some fees involved which will change from time to time. 

Pre-Printed Check Cashing Fees

  • For Checks up to and including $1000: $4.00.
  • For Checks over $1000 up to and including $5000: $8.00*

Two-Party Personal Check Cashing Fees

  • Two-Part Personal Checks Up to $200: $6 or Less**

The best thing about cashing a check by visiting Walmart is that you will get your fund in cash and also be able to load an amount in the Walmart MoneyCard. 

  • Local Grocery Stores

Also, you can easily buy groceries from Walmart as they sell grocery items as well. So, another option by which you can cash a personal check is from the local grocery store as well. 

There are lots of mom and pop grocery stores that will not show you this but, if there are any of the franchise stores located near your location or located in your area, then it may be that you are in business. Some of them mainly provide the check type along with a limit and also, they didn’t allow the users to carry the personal handwritten checks as well. 

It all depends upon the location of the stores and also you need to make sure that there is a website of these local grocery stores which you need first. 

Below are some of the best grocery stores:

  • Kroger
  • Publix
  • Albertson’s
  • WinCO
  • WinnDixie


  • 7-Eleven

At the time of research, I am completely surprised to see that the 7-Eleven is something, which offers some financial services. You know that the 7-Eleven provides prepaid cards to the customers and also the money orders as well but if any of the 7-Eleven is having a check-cashing kiosk then you can easily be able to cash a personal check by visiting that store and also be able to pay bills and perform some of the other functions as well. 

Also, they provide an option by which you can easily sign in for their Trans@ct prepaid Mastercard by which you can easily be able to access all the following:

  • You are able to link your reward card to get more points. 
  • Also, be able to load a check into your prepaid card. 
  • Load a check of $100 or more by simply using the Mobile Check Load Feature with the help of their Trans@ct App. 
  • You don’t need to pay per transaction, you can simply pay a monthly fee which is $5. 
  • Also, you can be able to deposit in a direct manner. 

Maybe it is not a good idea to sign up for any other prepaid card but, if you want the card then you can simply take the check and then, simply load that check onto this card. Also, you can simply get to know more about this card by visiting the official website. 

Expensive Places to Cash A Personal Check

So, above we shared some of the best options which help you to cash a check. I also want to add some of the places which you may avoid because of the higher fees. 

Yes, if you are completely strapped for the cash or in a bind then you are able to visit any of these places. So, if you search for “where can I cash a personal check near me” on the internet then you will see some options or also some of the ads as well. 

What you only have to look for is the payday loan providers or check-cashing stores as well. 

I didn’t suggest you do business by using any of the check cashing stores, title loans, and also the payday loan companies as well because they are highly intensive methods in the process to cash a personal check. 

Also, there are some of the loan providers which need a credit check or also, they need a person which issues the check-in person. 

Every place is operated by the different-different policies and if you don’t have a choice to visit any of these places then you are required to call them first. 

This is one of the main reasons that I suggest you avoid them because you are paying high interest or also plat fee plus the interest as well. Every store is different from each other and there are some more fees but we warned you. 

Some Decent Check Cashing Stores

As I said earlier that sometimes, these check-cashing stores are the only option you have. If that’s the only case, then you need to make sure that you select the one with a proper reputation and also make sure that it doesn’t charge you a huge fee or interest as well. 

  • Ace Check Express

Ace Cash Express is one of the highly popular and best options for you. Mostly they will cash all the checks which you bring to them along with a valid ID. Also, some of these types of checks which they cash also include:

  • Payroll Checks
  • Insurance Settlement Checks
  • Money Orders
  • Personal Checks
  • Checks Made Payable to a Company
  • Income Tax Refund Checks
  • Government Checks

They don’t mention that they will cash checks of any amount but it is subject to their terms and condition. Also, they don’t provide a list of their fees, so if you visit them then you need to make sure to find them out in the process to cash a personal check. 

They are located in more than 900 locations and it might be possible that they are located near your location as well. Also, you can simply find a local store, and then you can simply read about their cashing checks as well. 

  • Check into Cash

As you can check on their website, check into cash is having more than 1000 locations where you can easily be able to check to cash and also be able to get more services as well. 

Check into Cash store locations are provide various types of check services like:

  • Printed or handwritten payroll checks
  • Government Checks
  • Tax Refund Checks
  • Some Personal Checks
  • Cashier’s Checks
  • Money Orders
  • Insurance Checks

When you visit any of the locations then you will get to know that they have check limits and also several types of fees as well. If you want to know more or want to find a store near you then check out their official website. 

Also, there may be some of the other local stores as well which are not a franchise but provide similar services. Before visiting anyone, you need to ensure that you do your due diligence. 

You need to read reviews about them and then start looking for the best business bureau and then search for them on Google to ensure that there is no spam. 

The last thing which you need to do is simply set yourself up for a scam or also pay the high fee as well. 

Also Read: Secure Online Banking Tips for Transactions

Personal Checks Are Much Harder to Cash

The challenge which people are facing in terms of cashing personal checks is that they only have to select options that are compared to the Payroll, government checks, or also any type of pre-printed checks as well.

This is riskier for the stores and checks to cash stores as well, and many of them don’t accept them. Also, retail stores are having the limits like a few hundred dollars only. 

We suggest you start the process with the issuing bank and if possible, you need to try to cash a personal check as well. 

If the bank doesn’t provide these services to you and you are having a large check of $1,000 then it is better for you to ask the person to give a money order or a cashier’s bank in terms of cash a personal check.  

These types of checks will be easy to cash and you need to pay a very less fee and don’t have any problem in terms of finding the location where you can cash your personal check.

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