Amscot Check Cashing Fees & Policy (Does It Cash Personal Checks? etc)

A woman at Amscot handing customer cash from a check.

Short Answer: Amscot doesn’t have an amount limit for check cashing, but does charge fees between 1.5% and 9.9%, depending on the type and amount of the check. It cashes several kinds of checks, including personal, insurance, payroll, government, and more. We have more details on Amscot’s check cashing policy and which other financial services it provides below.

Amscot Check Cashing Policy

Amscot cashes a wide range of check types: cashier’s checks, government checks, insurance checks, payroll checks (printed or written), personal checks, and traveler’s checks, including out-of-state and international checks. Amscot can also cash money orders.

There’s no daily or weekly limit on the number of checks you can cash, nor does Amscot have a maximum amount for check cashing.


Amscot’s check cashing fees vary depending on the type and amount of check you need to cash. The minimum fee is $3.

At the time of writing, the Amscot check cashing fee schedule is as follows:

  • Cashier’s checks: 3.9% for checks up to $4,999.99; 4.9% for checks of $5,000 and up
  • Handwritten checks: 4.5%
  • Insurance checks: 3.9% for checks of $4,999.99 or less; 4.9% for checks of $5,000 or higher
  • Government checks: $3 to $10 for checks under $1,000; 1.9% for checks from $1,000 to $1,499.99; 2.9% for checks $1,500 and over
  • Money orders: 1.5% for Amscot money orders and 9.9% for all other brands
  • Payroll checks: 4.5% at most locations; Miami-Dade and Broward branches charge a lower fee of 1.9% for computer-generated payroll checks
  • Personal checks: 9.9%
  • Tax refunds: 2.5%

How Do I Cash a Check at Amscot?

To cash a check at Amscot, visit any Amscot branch.

Hours vary by branch but are typically 7 a.m. to 9 p.m. Monday through Friday, 7 a.m. to 8 p.m. on Saturdays, and 10 a.m. to 8 p.m. on Sundays. Some locations are open 24 hours. You can find the hours at your local branch on Amscot’s website.

When cashing a check, you’ll need to present a current, government-issued photo ID. A driver’s license, military ID, passport, or state-issued ID card qualifies.

Amscot may also ask for your personal information including name, address, date of birth, social security number or alien identification number, occupation, and the details of your transaction in an effort to fight terrorism and money laundering.

What Additional Services Does Amscot Offer?

Besides check cashing, Amscot also offers other financial and document services.

The following services are available (and we’ve included their fees):

  • Cash advances/loans: Costs vary; see our dedicated article on getting an Amscot loan for more details.
  • Copies: $0.25
  • Envelopes: $0.10
  • Faxes (Sent or Received): $3 for the first page and $1 for each additional page within the U.S.; $6 and up for international faxes
  • In-store ATMs: Fees vary
  • Money orders: Free to purchase
  • Notary: $10.00 per stamp
  • Prepaid Amscot Mastercards: Monthly fee of $5.95

Keep in mind that these offerings may vary among individual locations, and smaller locations may not be able to provide all services. If you’re looking for a specific service, call ahead before you make a trip to the store.

Other Stores That Cash Checks

Check cashing stores like Amscot usually aren’t the cheapest place to cash a check, though they may be the only option for certain types of checks, especially if you don’t have a bank account.

The cheapest place to cash a check is usually at your own bank, and if not there, then at the bank that has the account the check is drawn on. See our article on places that offer free check cashing for more details about options for no-fee check cashing.

If none of the free options will work in your situation, grocery stores tend to be cheaper than check cashing stores and banks with fees, but are more limited in check types and sizes they can cash. See our list of grocery stores that cash checks for more details.

And, for the complete list of places to cash a check, including banks, check cashing stores, grocery stores, and more, see our previous research.


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