Have you ever been in a situation where you need to cash a check, but all the banks are closed?
And then you realize that the only other option is to go to a check cashing place, but you have no idea where those are? Well, don’t worry, because I’m here to help. You can get your money without any hassle. Just make sure you bring your ID and your checkbook!
So I decided to compile a list of the Best Check Cashing Places Near Me. Let’s go through them…
Contents
Check Cashing Places Near You
What Is A Check?
If you were born after 1990, chances are you’ve never had to write a check. A check is a piece of paper that allows you to withdraw money from your bank account without having to carry around cash.
To write one, you’ll need your checkbook, which will have your bank’s routing number and your account number on it. You’ll also need to know the amount of money you want to withdraw and the name of the person or business you’re writing it to.
When Would You Need a Check Cashed?
There are a few situations where it might be helpful to know where the best check cashing places are.
- Firstly, maybe you do not have a bank account, so you do not have anywhere to deposit the slip and need the cash in hand.
- Secondly, you may not be near your bank, so cannot deposit into your account.
- Lastly, maybe you want the cash then and there for convenience.
Best Check Cashing Places Near Me – Your Options
7-Eleven
Did you know your local 7-Eleven could cash your check? To do so, you need to sign up for their Transact card, which is a reloadable prepaid debit card. You can then have your check deposited onto the card and use the funds at any 7-Eleven location.
You can also use their Mobile Check Load feature, which allows you to cash a check and have the funds deposited onto your Transact card without having to go into the store.
Walmart
Walmart is one of the most popular places to cash a check, and for good reason. They have a very low fee of only $4 for checks up to $1,000, and $8 for checks over $1,000 up to a maximum of $5000. You can also get your cash in a variety of ways, including on a Walmart MoneyCard (their reloadable prepaid debit card), in cash, or by having the funds deposited into your bank account.
Grocery Stores
Many grocery stores will also cash your check for a small fee. The fees will vary depending on the store but are usually around $3-$6 for checks up to $1,000. Some of the most popular stores that offer this service include Safeway, Kroger, Giant, and Wegmans.
Check Cashing Stores
Many check-cashing stores will offer this service for a fee. These fees can be quite high, so it’s best to avoid these if possible. Some of the most popular check cashing stores include ACE Cash Express, Checks Cashed, and Check Into Cash.
Your Bank
If you have a bank account, the best place to cash your check is probably your own bank. Many banks will allow you to do so for free or for a very small fee. You can also deposit the money into your account and then withdraw the funds in cash.
The Bank the Check is From
If you don’t have a bank account, or if the check is from a different bank than your own, you can try cashing it at the issuing bank instead. You’ll usually need to show your ID, and there may be a fee, but it’s worth checking out (checking, get it!).
PayPal
If you have a PayPal account, they also offer this service. You’ll need to link your bank account or debit card to PayPal. If you are happy to wait ten days or so, you can have the check deposited into your PayPal account and then withdraw the funds from there for free. If you need the cash sooner, you will have to pay a fee of 5% or 1% if it’s a payroll check.
Your Employer
If you have a paycheck from your job, your employer may also be able to cash your check for you. This is usually only possible if you work in a place that offers this service anyway, such as a grocery store or a bank. However, it’s worth asking your employer if they can help you out.
Use Your Friends
If you have friends or family who have a bank account, you can ask for their services! To do so, you will need to write on the back of the check that it is “Pay to the Order of” your friend’s name. Your friend can then sign the back of the check and deposit it into their account.
Once the funds have cleared, they can then withdraw the cash and give it to you. You may have to visit the bank with your friend to do this, as some banks will not allow third-party deposits.
Apps That Cash Checks
There are also a few apps that will let you cash your check without having to go to a store or bank. The most popular app is Ingo Money, which is available for both iOS and Android. With Ingo Money, you can cash your check and have the funds deposited into your PayPal account, or you can have the funds loaded onto a prepaid debit card such as the Green Dot card. There is a fee of 3% for this service.
Another popular app is Checkout 51, which is available for both iOS and Android. With Checkout 51, you can cash your check and have the funds deposited into your bank account. There is a fee of around 2% for this service.
Gas Stations
Did you know that you can cash your check at many gas stations? This can be a convenient option if you need cash and there is a gas station near you. The fees for this service vary but are usually around $3-$5 for checks up to $1,000. Some of the most popular gas stations that offer this service include Chevron, Shell, and Mobil.
Do You Need A Checking Account?
You don’t need a checking account to cash a check, but it can be helpful. If you don’t have one, you may have to pay fees to cash your check, or you may have to visit several different places before you can get your hands on the cash. A checking account will allow you to cash your check for free or for a very small fee. You can also deposit the check into your account and then withdraw the funds in cash.
If you are thinking about opening a checking account, be sure to compare different accounts to find one that suits your needs. Some checking accounts have low monthly fees, while others offer interest on your balance. You should also look for an account that doesn’t charge fees for things like ATM withdrawals and check deposits.
Places That Don’t Cash Checks
You would think that everywhere would cash a check, but that’s not the case.
Here are some surprising places that don’t cash checks:
- Target: You would think that the superstore would cash checks since they have a Money Center, but that’s not the case. Target does not cash checks of any kind.
- Trader Joe’s: Also another huge name that doesn’t cash checks is Trader Joe’s. So, if you need to cash a check and do some grocery shopping, you’ll need to go somewhere else.
- Aldi: The discount store really cut out all the unnecessary extras in order to give shoppers the best deals, and that includes check cashing.
Tips For Writing Checks
If you do need to write a check, there are a few things you should keep in mind.
- Make sure you use blue or black ink.
- Write the date in the top right corner.
- Clearly write the name of the person or company you are paying in the “Pay to the Order of” line.
- In the box below, write out the amount of money you are paying in words as well as numbers.
- Sign your name on the check in the bottom right corner.
- Write “For Deposit Only” on the back of the check if you are depositing it into someone else’s account.
- Write “void” in the center of the check if you make a mistake.
Other Finacial Services You Might Need
Firstly, Walmart has endless services such as Does Walmart Cash Personal Checks, or even Does Walmart Cash Handwritten Checks, if you happen to have one! Or perhaps you work late and need to know what the Walmart Money Center Hours are, as well as What Time Does Walmart Stop Cashing Checks?
For sending and receiving money, you’ll want to learn more about Does Walmart Do Money Orders, Does CVS Do Money Orders, along with Does Publix Do Money Orders, and Does Walgreens Do Money Orders for your local grocery stores.
Getting cash back is another easy way to get money out, so check out Does CVS Offer Cash Back, and for your superstores, Does Target Do Cash Back, Does Walmart Do Cash Back, and finally, Does Walgreens Do Cash Back in 2023.
Best Check Cashing Places Near Me – Final Thoughts
Cashing a check doesn’t have to be complicated. With a little planning, you can get your hands on the cash you need without any hassle. So now you know the best check cashing places near you, as well as a few other options for getting your hard-earned cash.
Good luck Cashing Your Next Check!