Places that Cash Personal Checks

Want to cash a personal cheque and don’t know where to go? Are you looking for places to cash your cheque? At this point, there are several Places that Cash Personal Checks

If you want to know about all this, read this article. 

Places that Cash Personal Checks

Here I have penned down the places from where you can cash a personal check:

1. Your Bank
2. Issuing Bank
3. Walmart
4. Gas Station
5. Grocery Stores
6. Check Cashing Stores
7. Check Cashing App

Personal Cheque

A personal check is a paper from your bank with your signature. It derives from a personal account and contains the amount of money to be withdrawn, the account number, routing number, and the recipient’s name.

A personal cheque is personal. So, you can’t connect with any business account.  

Your Bank

The best option to cash a personal cheque is your bank. You can cash a personal cheque from the nearest branch of your bank. 

You do not have to pay any charges to cash a personal cheque from your bank. It means you will get the whole amount without any deduction. 

If your bank asked for a fee, switch to another service or bank where they do not charge for cashing a personal cheque. 

Issuing Bank

The bank that issued you the cheque is also the best option for the withdrawal of money for two main reasons:

1. If you do not have a bank account.
2. If there are no branches of your bank nearby. 

Issuing banks also charge fees for cashing personal cheques. Here is how much they charge:

• No fees for cheques below $50 US Dollars. 
• $7-$10 US Dollars for cheques above $50 US Dollars

Walmart

Banking services are not available during holidays. So, if you want to cash a personal cheque on a Sunday, Walmart is one of the great options. 

Bring your cheque to Walmart, prove your identity, and you can cash your cheque. Walmart also charges a fee for cashing a personal cheque. Here is how much they charge:

• $4 US Dollars for cheques up to $1000 US Dollars.
• $8 US Dollars for cheques above $1000 US Dollars. 

Gas Station

Imagine being on a road trip and wanting to withdraw money from a personal cheque but having no banks nearby. Don’t worry! We got you. 

Even if there are no places, Gas stations can cash personal cheques. In this situation, the Gas station can be a life saver. 

Certain gas stations do not cash handwritten cheques due to the risk of fraud. So, only a few of them cash cheques. 

Grocery Stores

 When it comes to Grocery stores, not all the grocery stores cash cheques. You are lucky if you can find a grocery store that cash a personal cheque. 

You can get cash back if you cash a personal cheque from a grocery store. You can get $5 US Dollars to $10 US Dollars cashback. 

Here are some grocery stores which cash personal cheques:

• Food Lion cashes personal cheques up to $500 US Dollars and charges a different fee depending upon location.
• Giant Eagle cashes personal cheques up to $30 US Dollars and charge a fee depending upon location. 
• Publix cash personal cheque up to $75 US Dollars with a fee between $3 – $6 US Dollars. 

Cheque Cashing Store

Cheque cashing store cash all types of cheques. From personal cheques to handwritten cheques. 

But one should always keep it as a last option for cashing your cheque. It charges a very high fee for cashing a cheque. It charges around 30% to 50% of your cheque. 

Sometimes these stores do not cash your cheque due to the risk of fraud. So, avoid using this option.

Cheque Cashing App

Some apps let you cash your cheque online. These include PayPal, Green Dot, and Ingo Money. Here is how they work and charge. 

• PayPal is a partner with Ingo Money and First Century Bank for cashing cheques online. They cash the cheques from $5 US Dollars to $5,000 US Dollars. Their fee is 1% to 5% of the amount on the cheque. 
• Ingo Money is considered the best online cheque cashing service. You can cash your cheques from a minimum of $5 US Dollars to a maximum of $5,000 US Dollars. They charge $5 US Dollars for $100 US Dollars handwritten cheques and 5% for above $100 US Dollars. 
• Green Dot can cash from $5 US Dollars to $25,000 US Dollars per cheque. They have a daily limit which is $5000 US Dollars. They charge 4% of the amount for handwritten cheques and 1% for payrolls. 

Know the validity of your check 

Keep a few things in mind before going somewhere to cash a check. First, you should know if the cheque is valid or not. Secondly, make sure the bank that issued you a cheque is an authorized one. Always go in the details written on the check. 

• Authorized Bank 

If a bank issued you a personal check, make sure it is one of the authorized banks. If you do not know about the bank, search it online and call the numbers provided by the bank. Many defrauders give fake checks with fake details of the bank. Be aware of them.  

• Check the details

Make sure to see the details on the check. Your name or the amount written on the cheque must be correct. Any mistake can make it difficult for you to cash the check. 

• Difference between fake and genuine check

Some signs make it clear whether a check is genuine or not. If there is discoloration or opposed information on the cheques, it is a fake check. You can also see if there are some spelling mistakes. 

Conclusion : Places that Cash Personal Checks

A personal check is a paper from your bank with your signature.

You must see the validity of your check. Whether a real or fake cheque, you should always know the difference. 

You can cash a personal cheque from different places such as your bank, the issuing bank, Walmart cashing service, or grocery stores. 

All these places charge a fee for cashing your cheque. 

The only option you should avoid is a cheque-cashing store as their fee are higher. They charge around 30% to 50% of the amount on the cheque. 

The best option for cashing your cheque as they do not charge any fee for cashing your cheque.