Does Western Union cash checks? Western Union has 500,000 agent locations and 100,000 ATMs and kiosks in over 200 countries and territories. Transactions can take place in over 130 currencies. Western Union offers nearly instant delivery of cash. With that said, it seems like Western Union check cashing would be a given. But does Western Union cash checks? Does Western Union cash personal checks? If so, what are the Western Union check cashing fees? If not, where else can a person go to cash a check? Here’s what you need to know about Western Union’s check cashing policy.

Included in This Article

  • Does Western Union Cash Checks? If So, What Are the Western Union Check Cashing Fees?

  • How Much Does It Cost to Have a Check Cashed Somewhere Other Than Western Union?

  • Do You Need an ID to Cash a Check?

  • A List of Places That Cash Checks

  • And More…

Does Western Union Check Cashing Exist?

No, Western Union does not offer services for any check cashing. Simply put, Western Union check cashing does not exist. It’s true, Western Union check cashing locations do not exist. But there are many similar places that cash checks. This information is not directly stated on the Western Union website, but we contacted a representative at Western Union to be certain that this was the policy across all Western Union offices. You can read more about the other services that Western Union does offer on the Western Union website. 

Keep in mind that while Western Union itself does not offer check cashing, the company has partnered with numerous grocery stores and retailers who do offer check cashing. For example, Kroger grocery stores provide Western Union services as well as check cashing. While a Western Union office or branch won’t cash your check, you may still be able to get a check cashed at the same place that you use Western Union’s financial services.

How Much Does It Cost to Have My Check Cashed?

Depending on the option you choose, fees range from free up to five percent the amount of your check. Some places have a flat fee while others use a percentage, and still others charge both a flat rate and a percentage amount combined.

A study by Tufts University, “The Cost of Cash in the United States,” states that the average American family spends about $1,739 a year on getting cash. Check cashing outside the banking system is obviously very costly and expensive.

Do I Need an ID to Cash a Check?

Yes, you need an ID to cash a check, whether it is for a bank account, check cashing place, grocery store, convenience store, etc. Your ID must be issued by the government to be accepted as a valid form of identification. Drivers licenses, passports, military IDs, national IDs or other current government IDs are generally accepted at check cashing locations. Some places also require a second form of ID, such as a birth certificate, telephone bill, credit card or other “official” form of ID with your name and mailing address on it. This is especially true if you are cashing a large check (for example, an amount over $1,000).

What is the Process for Cashing a Check?

The easiest and most inexpensive method for cashing your check is to deposit it into your bank account using a teller, your smartphone, or an ATM. Otherwise, with the required forms of IDs, you can cash your check at any check cashing location by providing your ID, the check, and payment of the required fees.

Places to Cash a Check


Generally, banks allow you to deposit or cash a check for free if you have an account. Most banks require that you pay a fee for check cashing if you are not a customer. This list includes larger national banks. We did not include smaller banks or credit unions, but they may be an option if you have one convenient to your location. You can only cash a check, including personal checks, at a bank if it is drawn from an account at that bank or you have an account at the bank. If you’re cashing a large check, we recommend calling ahead to verify that the location has enough cash available, even if there’s no maximum check amount. Some of the following information may not have been listed on the company’s website, so we reached out by phone, email, or social media to representatives of each bank to verify these details.

Fifth Third Bank

PNC Bank


TD Bank

Bank of America

Wells Fargo

BB&T Bank


  • Maximum Check Cashing Amount: Typically $2,500, but may be higher based on the account type of the issuer. Contact a local branch for more information about your particular check.
  • Fees: Free with account; free if the check is under $50 without an account and $8 if the check is over $50 without account.
  • Hours of Operation: Chase is open six days a week. Hours can vary by location.
  • Visit the Chase location finder here
  • Read more on the Money Management page of the Chase website


US Bank


Citizens Bank

Capital One

Check Cashing Places

The average check cashing rates at check cashing places range between 1% and 5%. Check cashing places rarely post their rates online due to competition. To find out the current rates, contact your local check cashing places. If you’re cashing a large check, we recommend calling ahead to verify that the location has enough cash available, even if there’s no maximum check amount.

ACE Cash Express

Check Into Cash

Money Mart

Speedy Cash

Convenience Stores and Drug Stores/Pharmacies


Grocery Stores

Food Lion

King Soopers





Western Union Check Cashing: Conclusion

Does Western Union cash checks? Does Western Union cash personal checks? Western Union offers numerous important financial services to its customers — but unfortunately, Western Union check cashing simply isn’t one of them. There are no Western Union check cashing locations. If you have a check from Western Union, or from some other business, use this directory of places that will assist you with your check cashing needs.