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

Banks

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

  • Maximum Check Cashing Amount: Varies by branch.
  • Fees: 1%, with account; 1.5%, without account; minimum fee is $4 per check, with or without an account.
  • Hours of Operation: Fifth Third Bank is open six days a week. Hours can vary by location.
  • Visit the Fifth Third Bank location finder
  • Read the above information and more on the Fifth Third Check Cashing page.

PNC Bank

  • Maximum Check Cashing Amount: Varies by branch.
  • Fees: Free with account; $10 per check without account
  • Hours of Operation: PNC Bank is open six days a week. Hours can vary by location.
  • Visit the PNC location finder
  • Read more about the check cashing services offered on the PNC Deposit Easy page

SunTrust

  • Maximum Check Cashing Amount: No maximum, but two forms of identification will be required to cash checks over $2,500.
  • Fees: Free with account; free for checks under $50 and $7 for checks over $50 without an account.
  • Hours of Operation: SunTrust is open six days a week. Hours can vary by location.
  • Visit the SunTrust location finder
  • Read the above information and more on the SunTrust Check Cashing page

TD Bank

  • Maximum Check Cashing Amount: Varies by branch.
  • Fees: Free with account; $7 without account.
  • Hours of Operation: TD Bank is open six days a week. Hours can vary by location.
  • Visit the TD Bank location finder
  • Read the above information and more on the TD Bank forums

Bank of America

Wells Fargo

  • Maximum Check Cashing Amount: Varies by branch.
  • Fees: Free with account; $7.50 without account.
  • Hours of Operation: Wells Fargo is open six days a week. Hours can vary by location.
  • Visit the Wells Fargo location finder
  • Read more about fees and costs on the Wells Fargo website

BB&T Bank

  • Maximum Check Cashing Amount: No maximum.
  • Fees: Free with account; $8 without account.
  • Hours of Operation: BB&T Bank is open six days a week. Hours can vary by location.
  • Visit the BB&T location finder
  • Read the above information and more on the BB&T Pricing Guide

Chase

  • 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
  • Read more on the Chase website

Citibank

  • Maximum Check Cashing Amount: $5,000
  • Fees: Free with or without and account.
  • Hours of Operation: Citibank is open six days a week. Hours can vary by location.
  • Visit the Citibank location finder
  • Read more in the Citibank Help Center

US Bank

  • Maximum Check Cashing Amount: Varies by branch. If cashing a large check, call ahead to the local branch to verify that the funds are available.
  • Fees: Free with account; $7, without account.
  • Hours of Operation: US Bank is open six days a week. Hours can vary by location.
  • Visit the US Bank location finder
  • Read more on the US Bank Customer Service page

HSBC Bank

  • Maximum Check Cashing Amount: Varies by branch.
  • Fees: Free with account; $3 for up to $100 without account; $5 over $100 without account.
  • Hours of Operation: HSBC Bank is open six days a week. Hours can vary by location.
  • Visit the HSBC Bank location finder
  • Read more on the HSBC Ways to Bank page

Citizens Bank

  • Maximum Check Cashing Amount: Per individual branch management’s discretion.
  • Fees: Free with account; $7 without account.
  • Hours of Operation: Citizens Bank is open six days a week. Hours can vary by location.
  • Visit the Citizens Bank location finder
  • Read more on the Citizens Bank FAQs page

Capital One

  • Maximum Check Cashing Amount: Typically up to $3,000. Checks for over $3,000 will require additional security steps that may not be available at every branch.
  • Fees: Free with account; free for checks under $100 without account and $7 for checks over $100 without account.
  • Hours of Operation: Capital One is open six days a week. Hours can vary by location.
  • Visit the Capital One location finder
  • Read more on the Capital One Financial Education page

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

  • Maximum Check Cashing Amount: No maximum.
  • Cashes Personal Checks?: Yes
  • Fees: Rates vary by location.
  • Hours of Operation: Hours vary by location.
  • Visit the ACE Cash Express location finder
  • Read the above information and more on the ACE Check Cashing page

Check Into Cash

Money Mart

  • Maximum Check Cashing Amount: Varies by location.
  • Cashes Personal Checks?: Yes
  • Fees: Rates vary by location.
  • Hours of Operation: Hours vary by location.
  • Visit the Money Mart location finder
  • Read the above information and more on the Money Mart Check Cashing page

Speedy Cash

Convenience Stores and Drug Stores/Pharmacies

Walgreens

  • Important note: Offers deposits only, with up to $100 cash immediately
  • Maximum Check Cashing Amount: $100. Note: This service may only be available to customers with a Balance Financial card.
  • Fees: Rates vary by location. Contact your location for details.
  • Hours of Operation: Some stores 24 hours, but hours vary by location. Contact your local store for details.
  • Visit the Walgreens location finder
  • Read more in this article from AOL Finance about the launch of financial services in Walgreens stores

Grocery Stores

Food Lion

  • Important note: Will cash personal checks, with purchase, up to $50.
  • Maximum Check Cashing Amount: Up to $800, depending on the type of check.
  • Fees: Rates vary by location. Contact your local store for details.
  • Hours of Operation: Most stores are open Monday through Sunday from 6 AM to 10 PM, although hours do vary by store. Contact your local store for details.
  • Visit the Food Lion location finder
  • Read the above information and more on Food Lion’s Policies and Guarantees page

King Soopers

  • Maximum Check Cashing Amount: Varies by location.
  • Fees: $3 to $5 per check. Fees can be waived if using the 123 Rewards program.
  • Hours of Operation: 24 hours in many locations, but hours do vary by locations. Contact your local store for details.
  • Visit the King Soopers location finder
  • Read the above information and more on the King Soopers’ Money Services page

Kroger

  • Maximum Check Cashing Amount: Varies by location.
  • Fees: $3 to $5 per check. Fees can be waived if using the 123 Rewards program.
  • Hours of Operation: Monday through Sunday — 6 AM to 10 PM, although hours do vary by location. Contact your local store for details.
  • Visit the Kroger location finder
  • Read the above information and more on the Kroger Money Services page

Publix

  • Maximum Check Cashing Amount: $75 on personal checks; $500 on other checks. Amounts can vary by store.
  • Fees: $3 to $4 per check.
  • Hours of Operation: Hours can vary by location. Contact your local stores for details.
  • Visit the Publix location finder here
  • Read the above information and more on the Publix Customer Service page

Safeway

  • Check must have been issued within the past seven days.
  • Maximum Check Cashing Amount: $1,499.
  • Fees: $2.25 for every $200 cashed.
  • Hours of Operation: Most stores are open Monday through Sunday from 6 AM to 10 PM, although hours do vary by store. Contact your local store for details.
  • Visit the Safeway location finder
  • Read the above information and more on the Safeway In-Store Services page

Walmart

  • Maximum Check Cashing Amount: $5,000.
  • Fees: Free when using the Walmart Money Card; $3, up to $1,000, without card; $6, for over $1,000, without card.
  • Hours of Operation: 24 hours most locations. Contact your local store for details.
  • Visit the Walmart location finder
  • Read the above information and more on the Walmart Check Cashing page

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.