Western Union Check Cashing Policy Explained (+ Where Else to Go)

Western Union logo sign on the outside of a building

Western Union doesn’t offer any check cashing services — not even cashing personal checks.

We contacted a representative at Western Union to be certain that this was the policy across all Western Union offices.

Keep in mind that while Western Union itself doesn’t 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 Western Union 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.

Suggested Articles: 8 Places That Cash Checks for Free, Cashing a Check with a Temporary ID, and How to Cash a Check Without an ID

Other Places to Cash a Check

See our complete list of places that will cash checks near you.

Generally, banks allow you to deposit or cash a check for free if you have an account. If you’re not a customer, the bank may charge a fee.

Check cashing stores charge high rates, but will cash almost any type of check. The average rates at check cashing places range between 1% and 10%.

If you’re cashing a large check, it’s best to call ahead to verify that the location has enough cash available, even if there’s no maximum check amount.

Grocery stores have more affordable fees and can be convenient if you have other errands to run, but are more limited than check cashing stores in the check types and sizes they can cash. See our list of grocery stores that cash checks.


6 comments - Comments are closed.

  • Jessica

    You couldn’t answer that question because of the high volume of mail you receive? Seriously? Anyway, how can you explain the fact that, over a number of years and at numerous locations, I have cashed many checks at Western Union?

    • First Quarter Finance logo
      First Quarter Finance | Kathleen Wilson

      Hi Jessica,
      While we do reply to every comment we receive, we don’t have the capacity to reply to location-specific inquiries. So, if someone has a question about a store policy that other people would also find useful, we always try our best to give them an answer that helps clarify their question. If the question is specific to a particular location, we try to provide contact information or additional resources that people can use to find further information for that question. Western Union’s policy is that they don’t cash check at stand alone Western Union stores; however, if you come across a Western Union inside of a Kroger or Walmart or other large store that partners with Western Union, they often are able to cash checks.

  • Scott Chandler

    I have $1500 Bill Pay Check with me and i wanted to know where to cash this Check? Please Advice.

    • First Quarter Finance logo
      First Quarter Finance | Sarah Quinn


      You’ll find a list of check cashing locations above, including banks, convenience stores, grocery stores, and more in our article above. Please choose one which is located close to you and call ahead to make sure that they’ll be able to meet your needs; if not a member of a bank, you can expect to pay a fee, and you’ll likely pay at least a small fee almost anywhere you cash the check as well. I hope this helps!

  • Sunshine

    I am going to be getting a cashiers check for $80,000.
    I want to cash check for $20,000 in cash and get the remainder in cashiers check for $10,000 each . Where can I go? I live in San Francisco

    • First Quarter Finance logo
      First Quarter Finance | Sarah Quinn


      Unfortunately, due to the volume of comments we receive, we are not able to help with specific, individual requests. I recommend contacting one of the banks or other locations mentioned in this article that’s located near you to find out what services they can offer you for cashing your cashier’s check. I hope this helps!

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