Casino Check Cashing Policies: Personal Checks, Payroll Checks, etc

Can I cash a check at a casino? Whether you live in Las Vegas or Atlantic City or are planning a special trip to one of these popular destinations, this question is likely to come up.

In the age of electronic funds and bank cards, we just don’t seem to carry a lot of cash on hand anymore. So, what if you’re at a casino and need to cash a check to free up funds? Do casinos cash payroll checks? What about personal or traveler’s checks? In this article, you’ll find what you need to know about casino check cashing services in Las Vegas and Atlantic City.

In This Article

Can I Cash a Check at a Casino?

Yes. Most major casinos do cash checks. However, the type of check that is accepted varies, and there are often fees and limits associated with casino check cashing. Below, we’ve compiled the details of how casino checking cashing services usually work.

Note: It’s a good idea to keep safe gambling practices in mind when cashing a check at a casino. Consider setting a careful budget for your visit. For example, if a casino offers you a high limit for personal checks, choose to cash an amount lower than the limit. Or, if you have several traveler’s checks on hand, cash only one or two of them. Remember that casinos exist to make a profit; you should only gamble with money you’ve set aside for fun and wouldn’t mind losing. You can find more safe gambling tips and resources through the Responsible Gambling Council.

Do Casinos Cash Personal Checks?

Does casinos cash personal checks? Several casinos do cash personal checks — but not the way you’re used to. If you want to cash a personal check at the casino, you’ll have to follow an e-check process. This e-check process reduces the risk of casinos cashing bad or bounced checks. To cash a check at a casino, here’s what you’ll do:

  1. Give the casino a blank check, your driver’s license, and your social security number.
  2. The casino will run a credit check.
  3. The results of the credit check will determine how much money you can be approved for.
  4. You can then authorize your blank check for any amount up to how much you’ve been approved for (provided you have enough money in your checking account).

Do Casinos Cash Payroll Checks?

No. We weren’t able to find any casinos that cash payroll checks. We were advised by one casino customer service representative that while it used to be common practice, most casinos no longer cash payroll checks.

Do Casinos Cash Traveler’s Checks?

Yes — traveler’s checks are the most widely accepted checks at casinos. This is because traveler’s checks function like cash, and since they’re prepaid for a fixed amount, there’s very little risk for a business to accept the check. Even casinos that do not accept personal or payroll checks will often take traveler’s checks.

Las Vegas Casinos That Cash Checks

We have spoken to several customer service representatives and casino cage representatives at major Las Vegas casinos about their check cashing policies. Below, we have outlined what you need to know about the casino check cashing policy at these major Las Vegas casinos, including identification requirements, fees, and limits.

Caesars Properties (Bally’s, Caesars Palace, Flamingo, Harrah’s, LINQ, Paris, Planet Hollywood, Rio, The Cromwell)

  • Personal check through the e-check process:
    • Requirements: A valid driver’s license, a blank personal check, and your social security number
    • Fees: To cash a personal check, you must apply to the casino’s credit system. A Caesars’ customer service representative advised us that it is like a soft credit check. This is considered an e-check, and there is a $4 fee. If you are a Total Rewards member with Diamond status or higher, the $4 fee will be waived.
    • Limit: Depends on the results of the credit system check.
  • Traveler’s check:
    • Requirements: A valid driver’s license
    • Fees: None
    • Limit: $2,000

MGM Properties (Aria, Bellagio, Circus Circus, Excalibur, Luxor, MGM Grand, Mandalay Bay, Mirage, Monte Carlo, New York New York)

  • Personal check through the e-check process:
    • Requirements: A valid driver’s license, a blank personal check, and your social security number
    • Fees: 1.5% of the amount of the check
    • Limit: MGM casinos use a service called Global VIP, which will determine the limit you are approved for.
  • Traveler’s check:
    • Requirements: A valid driver’s license
    • Fees: None
    • Limit: None

Treasure Island Hotel and Casino

  • Personal check through the e-check process:
    • Requirements: A valid driver’s license, a blank personal check, and your social security number. The check must match the state on your driver’s license.
    • Fees: None
    • Limit: Depends on the casino’s review of your check cashing history
  • Traveler’s check:
    • Requirements: A valid driver’s license
    • Fees: None
    • Limit: $3,000

Wynn Las Vegas

  • Personal check through the e-check process:
    • Requirements: A valid driver’s license, a blank personal check, and your social security number
    • Fees:  None unless you bounce the check. Fees vary depending on the amount of the bounced check.
    • Limit: Determined by a soft credit check run through a third party called VIP Preferred. If you’re planning to visit the Wynn Las Vegas and would like to apply for credit with the casino in advance, fill out an online application.
  • Traveler’s check:
    • Requirements: American Express traveler’s checks are accepted with a valid driver’s license.
    • Fees: None
    • Limit: $5,000 per day

Atlantic City Casinos That Cash Checks

In addition to Las Vegas casinos, we’ve also spoken with casino customer service representatives in Atlantic City. Although some casinos in Las Vegas and Atlantic City may have the same name or be under the same parent company, their check cashing policies may vary by state. Below, we’ve outlined the check cashing policy at each of these popular Atlantic City casinos.

Borgata Hotel Casino and Spa

  • Personal check through the e-check process:
    • Requirements: A valid driver’s license, a blank personal check, and your social security number
    • Fees: 3%
    • Limit: Determined once you are enrolled in the casino’s system.
  • Traveler’s check:
    • Requirements: A valid driver’s license
    • Fees: None
    • Limit: None

Caesars Properties (Bally’s, Caesars, Harrah’s)

  • Personal check through the e-check process:
    • Requirements: A valid driver’s license, a blank personal check, and your social security number
    • Fees: 7%
    • Limit: Caesar’s Atlantic City casinos use a third party service called Certegy which will determine the amount that you will be approved for. Learn more about Certegy. If you’re planning to visit a Caesar’s Atlantic City-owned casino and would like to apply for credit in advance, fill out a casino credit application online.
  • Traveler’s check:
    • Requirements: A valid driver’s license
    • Fees: None
    • Limit: None

Tropicana

  • Personal check through the e-check process:
    • Requirements: A valid driver’s license, a blank personal check, and your social security number
    • Fees: $5 for every $100 cashed
    • Limit: Varies and is subject to credit approval. If you plan to visit the Tropicana Atlantic City casino and would like to apply for credit in advance, you may do so using their online application.
  • Traveler’s check:
    • Requirements: A valid driver’s license
    • Fees: None
    • Limit: None

 Casinos That Don’t Cash Most Checks

While the majority of casinos do cash checks, there are some that don’t cash checks or will only cash certain kinds of checks. We confirmed with customer service representatives from the following Las Vegas casinos that while they accept traveler’s checks, they do not cash personal or payroll checks.

  • Hard Rock Hotel and Casino
  • Hooters Casino Hotel
  • Silver Sevens (personal check cashing available for hotel guests only)
  • Tuscany Suites and Casino

In Summary

Most casinos in Las Vegas and Atlantic City cash personal checks for a small fee, and traveler’s checks for no fee. Most casinos no longer offer payroll check cashing services. Casinos use an e-check process to cash checks. You’ll need a blank personal check, your social security number, and your valid driver’s license to complete the e-check process at participating casinos.

Suggested article: The List of Check Cashing Places That Cash Personal Checks

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