Handwritten checks can be either personal checks or, less commonly, payroll checks that weren’t generated electronically. These types of checks, sometimes known as two-party checks, can be somewhat difficult to cash, as they carry a higher risk than other types of checks. But what if you have a handwritten check? Where can you go to cash it? In this article, we provide a list of grocery stores and check cashing places that will be happy to cash your handwritten check.

Included in This Article:

  • What are handwritten checks also called?

  • Where to Cash Handwritten Checks

  • Places That Do Not Cash Handwritten Checks (So You’re Not Left Wondering)

What Are Handwritten Checks Also Called? (So You Can More Easily Read a Store’s Check Cashing Policy)

A handwritten check is typically a personal check and in some instances, a payroll check. Personal checks are sometimes referred to as “two-party” checks since the two parties involved are you and whomever wrote you the check. So if you see information about two-party checks, it’s just a complicated term for a personal check.

Where Can I Cash a Handwritten Check

You’re probably wondering, “Where can I cash a handwritten check?” If grandma still sends you a handwritten check for $10 every year for your birthday and you don’t have a bank account, we’re here to help. Or, if you are employed by a small, mom and pop type business that hand writes its payroll checks and you need to find a place that will cash it, we’ve got you covered. The following is a list of places that cash handwritten checks.

Banks and Credit Unions Cash Handwritten Checks

If you don’t have a bank account and your grandma wrote your birthday check from her account at Bank of America, for example, you can bring the check to your local Bank of America branch and cash it for a fee of $6. (The specific fee amount will vary by bank — it’s typically between $5 and $8.) The catch is that either you need to have an account at the bank where you go to cash the check, or the check must be written from an account at that bank. For example, you can’t take that same birthday check drawn on Bank of America and take it to Chase to cash it — your check won’t be accepted there (unless you have a Chase account). The same thing applies to credit unions.

Retail and Grocery Stores Sometimes Cash Handwritten Checks

If a retail store’s check cashing policy doesn’t specifically state in writing that it will cash a handwritten check, it has not been included on this list. If a local favorite store of yours isn’t listed here, leave a comment so we can find out for you within 24 hours.

Retail and Grocery Stores That Cash Handwritten Checks:

Giant-Eagle

Kmart

Publix

Check Cashing Stores that cash handwritten checks

Places that cash handwritten checks do include check cashing stores. These stores are convenient and will typically cash any type of check of any amount, including those written by hand. However, it can do so because a check cashing store often charges a high flat fee plus a percentage of the check amount to cover the risk. If you decide to utilize one of these places, you may want to call and inquire first about the exact fees you will be paying at your location.

ACE Check Cashing

The Check Cashing Store (Florida)

Check Into Cash

Check Smart (AZ, IN, KA, KE, MI, MO, OH, UT, VA)

Friendly Check Cashing (North Carolina)

Money Mart

PLS Check Cashing

Speedy Cash

United Check Cashing

USA Check Cashing Store (California)

Endorse the Check to a Family Member

If you have a friend or family member with a bank account and enough cash to cover the amount of your handwritten check, you can sign the check over to them. If they don’t trust that your handwritten check will clear their bank account, the family member or friend may want to wait to give you the cash until the check clears his or her account. To sign the check over to another person, on the back of the check write: “Pay to the order of:” [the person’s name] [your signature].

Places That Do Not Cash Handwritten Checks

You now know of the places that cash handwritten checks. But I know what you’re thinking. “But what about Walmart?! Does Walmart cash handwritten checks??” Nope. Walmart clearly states on its website that check cashing is limited to pre-printed checks.

The following is a list of other popular stores that do not cash checks of any type, handwritten or otherwise. We’d hate to have you left wondering:

  • Aldi
  • BJ’s Wholesale Club
  • Copps
  • Costco
  • CVS
  • Dollar General
  • Dominick’s
  • D&W Fresh Market
  • Food 4 Less
  • Food Lion
  • Gelson’s
  • Heinen’s
  • JayC Foods
  • Jewel-Osco
  • Sam’s Club
  • Trader Joe’s
  • Ukrop’s
  • Walgreens
  • Whole Foods
  • Winn-Dixie

Cashing Handwritten Checks: Conclusion

Because of the risks involved with a handwritten check, retail and grocery stores that will cash handwritten checks are few and far between. Your best bet is taking the check to the bank or credit union the check is drawn on — or your own bank/credit union.

Question? Get it answered within 24 hours by leaving a comment below.