Unlike visiting a bank branch, you can deposit a check into any ATM at any time, as long as the ATM accepts checks. Just like when visiting your branch though, you may still have to wait around two business days before having access to all the funds depending on the amount of the check.
Cash your payroll, tax refund or government-funded checks at any of our stores—and load to a Balance® Financial Prepaid MasterCard®!
Similar to how you would cash a check at a bank, Walmart allows consumers to cash their checks and have money in their hands instantly. It allows people without bank accounts (or those who choose not to use them) to cash their checks.
In addition, we also cash MoneyGram money orders as long as they were originally purchased at Walmart. The only types of checks we cannot cash are personal checks.
Your Bank or Credit Union
Your best bet for free check cashing is any bank or credit union with whom you have an account. At most institutions, account holders pay nothing to cash checks. Plus, you can deposit the check and withdraw cash later.
Check Cashing Service
Check cashing stores, such as Advance America, ACE Cash Express and Check into Cash will cash treasury checks for a fee. Fees vary depending on the amount of the check and the state you live in, so call the store and ask what the fee is before you decide to use a check cashing service.
Treasury checks, not more than 1 year old, may be cashed at Post Offices and postal retail units provided that sufficient funds are available.
Visit Check-Cashing Establishments
If you don't have a bank account, or do not live near a grocery or convenience store that cashes checks, you probably have a check-cashing facility that you can use. Some popular chains include Ace Cash Express, Money Mart, Check Into Cash and Any Kind Checks Cashed.
Since Western Union is in the business of transferring money, many people wonder “Does Western Union cash checks?” The organization does not cash checks, but is partnered with the “Check Into Cash” program.
ACE Check Cashing
Personal checks? ACE can get you cash today! We even cash large and hard-to-cash checks. All you need is a valid, government-issued ID.
CVS does not cash checks but it does accept both personal and business checks as a form of payment in-store for all its products and services. ... Additionally, CVS does not offer cashback when you pay with a check, and so customers wanting cashback will need to pay with debit or credit cards or use the in-store ATM.
Target. According to Target customer service, they do not cash personal checks. But they do accept them as payment.
7-Eleven stores are some of the best places to cash checks because there are over 8,000 convenient U.S. store locations and many offer 24/7 kiosks to complete the check-cashing process.
Wells Fargo typically charges a $7.50 fee to individuals who do not have a Wells Fargo bank account but wish to cash a check issued from a Wells Fargo bank account.
1. Your Local Bank or Credit Union. The best place to cash a check is your personal bank or credit union. Free check cashing may be one of your account benefits.
No law obligates banks and credit unions to cash checks for everyone, especially non-customers. Still, many banks across the country will cash checks for you. ... With these, you can usually cash checks at any of the bank's branch locations or ATMs. For example, Chase offers a prepaid card for a monthly fee around $5.
ACE will cash your check, but for a price. ACE charges 3 percent of the total check amount. This might not seem like much at the time, but these fees can add up.
They'll cash payroll checks, government checks, tax checks, and MoneyGram money orders, but not personal checks. The fee is $3 for any check up to $1,000, and $6 for any check between $1,000 and $5,000, which is the check-cashing limit.
Treasury checks deposited into ATM machines or night-drops can be held. Only checks deposited in person by the payee into the payee's account are exempt.
There is no federal law or regulation that requires banks to cash checks for non-customers. Most banks have policies that allow check cashing services only for account holders. If a bank agrees to cash a check for a non-customer, it may legally charge a fee.
What services are available at Walmart MoneyCenters? Cash your payroll or government checks, including tax refund checks, at Walmart stores.
For example, a U.S. Treasury check, whose funds are guaranteed by the federal government, will clear within one banking day. But a bank may view a personal check differently. Once a bank knows that the check is legitimate, it will usually release payment within five days.